Thank you, Mr. Chair. One of the initiatives under the new consolidated programs is for us to get out there and speak with the client. We have talked to a lot of them, not all of them, but our intention is to get out there to give them letters to remind them, to also do some education with them in terms of the necessity of paying their mortgage in the same way that they pay for their truck or other acquisitions they might have. So a lot of it I think is as a result of the transition from public housing into homeownership and getting people's minds around the responsibility there that it has to be dealt with in the same way as truck payments or anything else people have, because people sometimes think of housing as being the last thing they should pay for, they should pay for the other things first and that doesn't work very well.
One of the things that has made a big difference is where we have had good leadership from the community leaders to be able to explain this, to understand it, then we see the collections coming up. Our concern, of course, is the $6.7 million in arrears that's out there. But the biggest thing now is to work in education, financial planning, help people so we don't see this amount continue to grow and grow and grow and just get unmanageable. We're not quite as ruthless as some landlords might be in other parts of the world. We want to work with people. We understand people are not trying to avoid it, they just don't realize the responsibility. So we will continue our efforts to communicate with these people. We'll work with community leaders and work our way through this, but I think it's something we expected when we moved from public housing to homeownership. Thank you.