 Everyone who buys their first home has to work hard to save that money and it's getting harder and harder all the time. But I firmly believe that the dream of home ownership must stay within the reach of the middle class here in British Columbia. We must make sure it is easier for first-time home buyers to find their way into a really tough housing market right here. The program we're announcing today is called the BC Home Partnership, the homeowner mortgage and equity partnership. The provincial government will match first-time home buyers on the total amount that they have saved for their down payment. That's up to $37,500 for a maximum purchase price of $750,000. It's an interest-free 25-year loan up to $37,500 with no payments, no interest due for the first five years. We've limited the program to first-time home buyers who earn less than a combined $150,000 in household income to those who have been a Canadian citizen or a permanent resident for five years to those who have lived in British Columbia for at least one year and to those who can demonstrate they've paid taxes in our country for two. The Home Partnership is a three-year program. Applications will open on January 16th and this is all the subsequent to the other announcements that we've made to try and make this housing market more accessible for people. It is hard-working British Columbians that have built this, our economy here in British Columbia, into the fastest-growing and the leading economy in the country and with programs like this we are giving back some of that benefit, some of that economic strength to the people who have earned it, the people who work hard for a living and the people who create this growing economy.