Mr. Ciappara, given all the mortgage renewals and rising interest rates, the Office of the Superintendent of Financial Institutions has seen fit to take a prudential approach and tighten up certain rules. In particular, it's concerned about the sharp rise in loan-to-value ratios that may exceed 100%, and it's focusing specifically on rising instances of negative amortization.
I'd like to hear your comments on what's happening in that area.