Thank you, Mr. Chairman. Mr. Chairman, this will be an application-based program where we will screen the application, identify which clients we feel meet the program. One of the things we are seeing is we are hearing a lot of complaints from people who are in social housing who are paying the high end of the rate scale. Because of that, they don't seem to be getting any further ahead with the amount of money they are paying on rent. Because of that, we are trying to free up some social housing and get those people who are paying at the high end of the rent scale into homeownership. Yes, we have had experiences where people have gone into a housing program where they had to give the unit back to the Housing Corporation. With this program, we see that there is a mechanism for them to continue to maintain the home by continuing to pay the utility costs. Once we feel that they have the abilities to pay a mortgage, then, at that point, we allow them to get into a mortgage. It's for people under the EDAP program we have now who are eligible to go to the bank and get a mortgage. So this will supplement that program.