I have questions. I asked three questions in my speech in the second reading debate. My first question goes to the minister. It seems that the government will essentially become the second mortgagor to a bank on a home loan. In the event of a default or price fall, is a bank entitled to recover all of its losses before the government recovers any money, due to this priority? Secondly, what is the priority of security the government holds compared to the bank mortgage?