Just quickly on the banking side, we bank with one of the large guys and from my conversation with them, they've stepped up hugely. I think their number one reason for not doing more right now is that until they see a path for success for our industry, they're literally handcuffed from doing more. Again echoing, the BDC and EDC loans are just too prohibitive.
With respect to landlords, we were very fortunate to get deferrals from almost everyone. I talked to the largest landlords and the biggest pension funds down to a mom-and-pop shop owner, and all have a different ability to do something. We had some bad apples. We had landlords who were trying to take advantage of us, and unfortunately for us in Ontario, there's no freeze on eviction, which I know is a provincial-level issue that I'm lobbying hard on, but every landlord I talked to said they just wish the government would impose rules so it's an even playing field. One pension fund doesn't want to give a better deal to everyone than another pension fund, because they'll look bad to everyone else.
We need leadership in government that understands that a total collapse of the real estate market will happen if 30%, 40% or 50% of us don't survive. It is in their best interests to have a plan like what was suggested, which is a complete end of payments until we get back to some sort of normalcy, backstopped by the government, because paying rent is extremely important. A lot of those landlords are going to be willing to take a 25% or 33% haircut as long as it's backed by the federal government, because that is the best credit you can get right now. Everyone, all of our communities, will be better off if we get leadership from the government with a plan like that.