text:  beneficiaries wanting to build homes but also provide, allow the department or I guess mandate the department to provide financial literacy education to those borrowers because in the past one of the big problems with direct loans from DHHL is that a lot of the beneficiaries didn't keep up on it. They default. They default and DHHL was left with this big sort of big red line of funding that they couldn't get back and so that's one change happening.