Thank you, Mr. Speaker. We have an extensive process that we do follow when we're working with the outstanding and any debts owing to not only the Housing Corporation but the Government of the Northwest Territories where that's how these debts are considered. We do have -- the corporation does have legal counsel as well too with those constant, you know, communication in between the client and the corporation. If we're not successful with those conversations with the attempts, there is direction for the client to follow up with the legal counsel for the Housing Corporation to pursue either refinancing agreement payment plans or what further we can do to try to work and recover those debts owing.

But I also want to explain as well too that the mortgages that the Housing Corporation does have for these clients is that they're subsidized mortgages. So we don't look at the -- with the 100 percent mortgage owing, that we do have the refinancing amount, and we do have the subsidized mortgages as well too that I would like to further explain to the Member once we're meeting face-to-face. Thank you, Mr. Speaker.