My third question is this. If the minister or the government were to require you to cut your rates—to waive interest, to waive penalties and to waive fees—would you respect that requirement?
I'll come back to the issue that was raised by my colleague. We have seen banks in other jurisdictions, such as the United Kingdom, Mexico and Europe, stop dividend payments. The dividend payments that the banks announced this year will, in many respects, be on the backs of Canadians. Canadians want to see that the big banks are not profiting from Canadians during this crisis. If the government were to step in and require members of the Canadian Bankers Association to waive interest and penalties and fees, would you respect those requirements from the government?