Thank you.
This question might be split between you and Mr. Rudin. During the opening statement, you mentioned the guaranteed loans for farms. We're having an issue now with funding ending for residential co-ops. There are some pilot projects with credit unions, but they are having difficulty lending and extending mortgages and seeking the financing for long-term financing in order to be able to do renovations and repairs on buildings, as well as continuing to offer some low-income subsidized housing.
Perhaps either or both of you could give an impression about what kinds of changes you think might be needed in order to facilitate residential cooperatives getting the kind of financing they need down the road.