Thank you, Madam Chair. With regard to arrears, our approach to this is to try to stem that increase in arrears. It has been growing and we want to limit that. The way to do it is to make sure that people are making their current payments plus paying something down on the arrears they've developed. Second is to catch those arrears early, because once it gets to be an unmanageable amount then people just give up on. Our approach is going to be to try to be firmer earlier on.

In terms of the housing clients and the rental that they pay, it is the $4.441 million that I referred to, that clients in public housing pay to the corporation as their rent. Thank you.