Thank you, Mr. Hoback.
We indeed have worked with mortgages over a number of different sessions, starting in 2008, making sure that people fundamentally understand the responsibility they're taking on. We introduced a mortgage code that helps people better understand what charges can be associated with this.
The prepayment charge is a simple one. Everyone hopes to get into the situation where you actually can make an early payment or a prepayment, but people hadn't understood when they signed the mortgage how much that prepayment penalty might be. So part of the code is about making sure that it's up front and articulated to the mortgage holder as to what those costs may be.
The mortgage provider must talk about a dollar amount of the prepayment as well as, on a yearly basis, what it costs to make those prepayments, and must give an explanation of how the prepayment charge is calculated—there are different mechanisms for that—as well as a description of how the lender calculated that prepayment. As I say, there was a myriad of those. The other simple one is that we now require mortgage providers to have a website calculator so you can look at that.
But in the overall mortgage aspect, we've also made sure to encourage people to have a larger down payment. We've reduced the amortization period to make sure that people are capable and take the time to save a little more money before they actually take on the mortgage liabilities.