Yes, I think you're referring to variable-rate fixed-payment mortgages and, I think, to the renewal of mortgages in general. The banks are reaching out to their customers proactively to help those customers who are feeling impacted by the interest rate shock. There are a number of things that banks can do to help out their customers: moving into a fixed-rate mortgage, increasing the payments and helping them with lump-sum payments.
In the end, Canadian banks don't want to own a home. They'll do everything they can to help their customers stay in their homes. You only have to look back to the early days of the COVID crisis, when the industry negotiated I think 800,000 mortgage deferrals.
This is something they do on a regular basis in terms of helping out their customers, and they intend to do so in this period of high interest rates.