As we mentioned earlier, we asked a similar question. Table 1 shows how we break down the cost of the credit between small and large projects. What would be similar to the American credit would be the large projects. Basically, we expect the large projects to be mostly income-producing properties.
As you can see, most of the credit cost is on large projects. Based on the numbers we had, the owner-occupied residences aren't going to cost that much to rehabilitate compared to large commercial or industrial buildings. If you just stick with the line for the cost of the credit for large projects, you can see we're around $49 million to $50-something million.