Mr BEVIS(12.20 p.m.) —The answer does clarify the point. I want to reiterate my understanding of the situation as described by the minister. The people who might now currently hold a loan to the current maximum of $40,000, or indeed someone who might apply for a loan today and have it approved prior to the passage of this bill, would be entitled to the maximum current loan of $40,000. Following the passage of this bill, the people in either of those two situations would be eligible to reapply under the terms of the new act. If they were to meet the conditions and therefore be determined as eligible under the new act, they would be able to top up the $40,000 loan that they already had approved to the maximum of $80,000 that this bill would provide. The minister is nodding. I assume that that is an accurate assessment of her comments and in keeping with the legal advice that is here.