Thank you, Mr. Chair. So my understanding is the reason you would want to have a threshold is because there are folks who make enough money that they would be able to access in a market community the market on their own, and so you need to -- you would have a threshold. I will comment here that one of the things that the associate deputy minister at Housing NWT is working on right now is the renewal project, and we'll be looking at the organizational design and which will lead to some program design work, and homeownership programs have already been flagged as something that we need to look at. And so there will be work to assess the program details for the homeownership programs. Thank you, Mr. Chair.