Thank you, Mr. Speaker. I don't believe it's a homeownership obstacle course. There may be a time when it was, but I think we've streamlined the programs where it makes it fairly easy to navigate through.
There is a course, once somebody puts an application in, Solutions to Educate People. We call it the STEP course. During that course they would have some courses or some information on finances and how to budget and things like that. So, we try and assist them through the systems so they know exactly what they're getting into and what's required of them once they become homeowners. Thank you, Mr. Speaker.