Okay, thank you. Final questions. But I think -- I know the Minister has said it before, we don't want to set anybody up for failure twice. I think it is up to the people to decide, that they should work with the people on that. So does the Minister -- does the Housing Corporation have a process where clients can have -- can apply to have debts forgiven? Can the Minister commit to creating a process where clients can apply for debts forgiven or write off? Thank you.