As far as we can tell, banks don't adjudicate insured mortgages differently from uninsured mortgages.
I am extremely worried about it for a short period of time, but this is a regime that's served us well in Canada, and it means that we have the CMHC to absorb losses like this and help people stay in their homes. As I said, we think deferrals could get up to 20%. Right now, 12% of mortgages are in deferral either through support through us and the private mortgage insurers or through banks directly, and that's a form of resilience, I would suggest to you.
May I answer your previous question?