Thank you, Mr. Chair. So the current program, like Mr. Carpenter explained, may require going to the bank. When we do the program renewal, we will need to look at those. So we have the idea of what we are doing. We have not defined what it will look like specifically because there may be ideas coming within that, but we need to be cognizant that we need to be fair to all residents.

So if people have gone to the bank and taken out a loan to be able to pay for housing, then it would be not fair to just let other people not do anything. So I am not saying that this program would be looking at they have to go to the bank to get a mortgage, but I am saying that we might not give the discount that we give that we are doing currently if it is a rent-to-own versus paying it out and getting it now. Thank you, Mr. Chair.