Thank you, Madam Chair. And I hear the Members from the other side and, you know what, I -- I recognize the decline that we actually do have and the declining of our CMHC funding, and you know, really depending on what we're able to receive from the federal government, looking at our bilateral agreements that we do have with the federal government in trying to be -- trying to strategize within the corporation and do things different. I'll have president Young respond. Thank you, Madam Chair.