Thank you, Mr. Speaker. Again, like homeownership is a challenge in the Northwest Territories. So what housing's doing differently now is they're providing counselling, they're providing budgeting sessions, they're providing those with arrears an opportunity to pay off their arrears so they can become eligible. And also with the HIP program, it is a forgivable loan over three to five years so the tenant would become the owner of the house through a forgivable loan which would zero out at the end of those years. Thank you, Mr. Speaker.