Thank you, Mr. Chair. The other thing I wanted to address is the homeownership program.

The homeownership program and also the -- we -- they're always -- there's always these thresholds that seem to be a barrier to ownership. So if you're at the very lower end of the scale, you can get ownership of -- because I know a couple, a young couple in Fort Smith who just started jobs and just started a new family, and they were told that they were over the threshold. And, you know, they're just starting out. They don't -- they bought a car and they wanted to buy the house they were in. And everything's with a threshold in this department. You have to think of all the inflation issues, all the other issues that are pending in our -- today's world, you know, with cost of food, cost of living, cost of fuel, cost of gas. All those things come into play. And I think that we have to be more innovative in the way we think with regards to these thresholds because, you know, every one of us, including all 19 of us, know that this is a -- the major problem with homeownership, there's always -- you know, and you want to give it to the people that are going to actually pay for the homeownership program that -- you know, and -- you have to be able to minimize those barriers, and I just wonder how we're going to be able to do that. Thank you, Mr. Chair.