Mahsi, Mr. Speaker. I would like to challenge the NWT Housing Corporation to be more flexible in how it applies its policies. If an applicant doesn't have homeowner's insurance, instead of turning the applicant away, why doesn't the NWTHC let them apply a portion of the loan to pay for the insurance? That way, the applicant can still get needed repairs, plus help funding the cost of insurance. Mahsi, Mr. Speaker.