Thank you, Mr. Speaker. Mr. Speaker, we have some elders in the community who -- they did -- they entered into refinance agreement, and some of these elders are in their 70s. I mean, that should have been forgiven long time ago. I mean, that is not acceptable. That is unacceptable, Mr. Speaker. And we have some refinancing that was done with 20 years old and that the agreement is not in their name; it is in the parent's name. The family moved into the house before the child was born, and this is where they are doing refinancing agreement with a child that -- who got their first job. There's quite a few of that in my community, in my region. So I just -- it's more of a statement. It's more of a comment. So I don't have any questions. Thank you.