So $19.9 million. That answers one question. The second question was, is this going to affect the other programs the Housing Corporation runs because it's another subsidy? I am all for people getting into their own homes, but if you know you can't maintain a home, it just seems to be one program set up after another. EDAP, as far as I am concerned, is a pretty good program where people will go to the bank and get the money. If you know you can't maintain the home, why bother going to apply? The Housing Corporation is going to recoup some of their money out of this instead of just providing another subsidy and a second layer of public housing, because if they don't qualify for a mortgage, do they move into public housing? Thank you, Mr. Chairman.