Thank you, Mr. Chair. Again, can you tell me what you mean by modest or minor? I am sitting here looking at these numbers, and even though you are saying that it is 50 cents on one and 50 cents on the other, my calculations are a 33 percent increase and a 50 percent increase. I don't know where you come from saying it's minor and modest. That is a huge increase. If you are doing that across the board with all of these things, it is a minor amount, you figure? For somebody that is buying a home, that may be something that is a little bit of a challenge as well. Thank you, Mr. Chair.