I think all issues are fixable.
For the home equity assistance program, I think the threshold of proving a 20% reduction in the value of your home may be a little unreasonable. Look at Alberta this year and what has happened and what is going to happen to house prices because of the price of oil, which has nothing to do with the Canadian Armed Forces but will have an impact on members who happen to buy or sell a home in that area.
There are two sides to home equity assistance. Sometimes the members sell and they make a good return on their property, but there are times when members face catastrophic losses, and we're probably talking about the same constituent. In those particular cases I think there should be flexibility.
I think the 20% level is high, and the person who determined that they did not meet that standard was also, I think, the same entity who did the revision on it to determine whether the first one was correct.
I believe it's fixable, but it's going to take some want and desire to do it. I just think that maybe 20% is a little bit much.