Thank you, Mr. Chairman. Mr. Chairman, I know you don't want us to talk about Novel anymore, but just to the point that Mr. Braden raised about the shiny, new, glamorous looking housing, they're not that glamorous. They sort of look like any other kind of prefabricated home that you'd see, but what I want to tell you is what I was impressed with, okay, when I was there and I saw them, it was that this utility room becomes the stairwell to the basement, this wall, although it's a dividing and separating partition now gets knocked down and it has no structural bearing on the unit after the fact. You pull this panel off and behind this panel is all your plumbing for your kitchen units. I mean, it was the ingenuity that struck me of the concepts and the idea of building it in upfront. I mean, anybody that's ever done a renovation you know what a pain it is to try and put things in the wall after the fact. Here it's all there. It's like a kit and it's like it does a complete double duty thing. Anyway, I just wanted to say that. As to how they had them decorated and things like that, they just kind of look like any other kind of prefabricated type home. It would take a lot to impress me in that area; but on the conversion piece, it was ingenious, I thought.

Okay, onto something other than Novel, Mr. Chairman. I'd like to talk about the NWT Housing Corporation's business type programs. I'd like to know what they still have in place in terms of bridge financing, loan guarantees, support to developers who want to get a project off the ground, and I guess the reason why I'm asking that is I have to ask why it is that somebody that is resident with the NWT Housing Corporation, versus somebody like BDIC that's already got a team of people in place who do business plan analysis and assessments and that kind of function when it comes to exposing GNWT money to some risk? Why is that a separate thing in-house in the NWT Housing Corporation? First of all, what programs do you have and, secondly, why do you have them? Thank you.