We actually met with some banks last week. We asked this specific question. It's something we keep an eye on, for sure. What they told us is that these are borrowers they're working with. It depends very much on the borrower's situation and what the available options are. Some of them are refinancing, some of them are paying down their mortgage and some of them are looking at payment adjustments. I think the banks are acutely aware that mortgages not getting paid down and not amortizing down is not a sustainable situation over the long term, but as we understand it, they're working closely with these borrowers.
This is something we've provided analysis on. There's a bit of analysis in box 3 in the MPR. We have our financial systems report, which we'll deliver in May. You'll see us provide a bit more analysis on the mortgage market there.