Thank you, Pam.
Habitat is changing its model. It has to change its model to serve more families for our mission. We are implementing new programs that meet a growing, diverse audience. That includes organizations like women's shelters and transitional housing.
You mentioned Halton Women's Place. We have now provided them with three locations were they provide secondary transitional programming. They select the clients who will go into those homes and support them. We manage the mortgage and we manage the relationship, but they manage the client involvement there. I think that's a fundamental difference in where we're headed.
We're now starting to enter into different models of mortgage lending. In the past we were very much focused on home ownership. We continue to be primarily focused on that; however, we are now offering alternative strategies to allow mobilization of individuals in precarious situations who may want to move, who need a temporary solution, but want to take the equity they have contributed and eventually relocate to better themselves and be more successful. That's through our new deferred home ownership or rent-to-own program.
Finally, I think the change we're doing as an organization is that we're now building physical buildings for organizations. That's where we are able to mobilize our strengths and provide housing for the client to be able to use in their need, not ours. Working collaboratively, we're going to be more successful.