There's no question. With interest rates, the Bank of Canada rate has come down to 0.25%. Long-term rates have not come down. I will tell you, though, that we have a couple of mortgages with BDC, and they did reduce their rate from, I think, 5.25% down to 3.05%, which was interesting. The problem is that they've been one of the toughest banks to deal with in terms of getting an interest rate deferral, which has been interesting.
Again, as I said, this deferral is great for the short term. It's just going to kill us in the long term. We need to figure out some type of abatement or some type of forgiveness on this. It has to be a long-term situation. We're all in this together, as I hear from everybody. Everybody always says that, and I don't disagree, because everybody on this panel is certainly feeling the pain. But we need to understand how the banks are going to step up and take a haircut. That's basically what it is. I don't know what that looks like, but it keeps me up at night knowing that we're deferring this stuff but it's not going away. It's interest on interest. That's what they're doing right now.