First, thank you to all the witnesses. There's no question that this sector has been hit harder than probably any other sector we've heard from in these meetings so far. It is quite distressing, and we all get the calls.
I want to start with Mr. Staniloff. I want to hear from you about how the banking industry has been behaving. We've heard from both the finance minister and the Governor of the Bank of Canada that they've been buying bonds and creating greater liquidity in the banking sector.
I would like to hear if, either through your franchisees or through those hotels you own, you are seeing banks stepping up to the plate, negotiating on the terms of those loans and trying to help out these assets, which are at—whatever you said—10% occupancy and are really struggling.