Thank you, Mr. Chair. In terms of barriers with the homeownership initiative program -- and I spoke about this in the House earlier. But many times, people are not prepared to take on the homeownership initiative and apply to the program. That's one of the barriers. The second barrier is this is related to coordinating of thresholds, so there is a salary threshold for people to be -- applicable to this program and you have to reach -- you have to be below that threshold to be -- to apply to the program. Thank you, Mr. Chair.