what is hotma, so hotma is a law that was signed, in 2016 by obama. this is primarily affecting income related, things in both of the policies and income reviews, limits, asset limits, deductions, how we verify it, and when you look at it in reexaminations, yes. next slide. okay. so eligibility for an applicant to get into the program they have to be eligible. so they need to qualify as a family. they need to have they need to meet the income limits of the program. citizens social security. they have to sign release of information consent forms, you can't be getting duplicate subsidies and they have to meet a net asset limit. the ones in red are the ones that are. there are other things to be eligible, but the ones in red are the ones that were affected by hotma, and which i will go over quickly. next slide. so you have to be a family as defined by hud. and, hotma added an additional, an additional language to what qualifies as a family under the single person definition. so that's in red, next slide. and i will pause at this one for a little bit long