Our policy applies to all construction projects at 100% owned and occupied properties of Empower. It also includes a unique process whereby we notify Building and Construction Trades Department, AFL-CIO about any subcontracts expected to exceed $250,000, so that they can give us the names of qualified union contractors to bid on our work. No one else in our industry provides this level of transparency. In addition, our policy is one of the very few that also addresses construction lending. This policy represents a best practice on the part of construction, real estate, loan, and retirement services providers. We have a reputation for leading the development of industry best practices through collaboration.