Mr. Richie Boucher:

In the mortgage-to-rent scenario there are specific criteria which could be enhanced. One of the obvious necessities is either a local housing authority or a not-for-profit housing authority being willing to take the property. We have seen growth in that market. As we are a lender, we lend to not-for-profit housing authorities. It is a commercial transaction and filling a need and gap in the market. Ultimately, what it needs is someone on another part of the chain who will take ownership of the property and then lease it back to the tenant.