Thank you, Mr. Speaker. We do take into consideration the market value for these homeownership units but we are a social -- we are a social program. So our refinancing and our mortgage rates are offered at a subsidized rent, quite similar to how we administer our public housing units as well too. And just for the Member as well, that when we are looking at our rental rates as well, that we -- there is a comparison and we do take into consideration that if the client can actually afford the unit, we don't want to set anybody up for failure, but we want to make sure that they're financially secured to receive and to enter into a -- at that time, a mortgage client that is able to afford the subsidized mortgage rent. Thank you, Mr. Speaker.