Thank you, Mr. Chair. So can the Minister help me better understand this a little bit better. So there's an income threshold that you have to be below in order to get it, and I'm assuming if you go above the threshold you're not eligible anymore. But wouldn't we think that people who were above a certain income threshold would be even better able to kind of own and operate a home? And so I kind of -- is that threshold really helping us in this program? I mean, certainly the idea of people starting to own a home, I mean that's the goal that we're trying to achieve here. So why do we even have a threshold which would prevent people from accessing the program? Thank you.