I appreciate your availability today.
I'll just get the four out and then you can answer, depending.
First off, when it comes to commercial rent relief, would you agree with many people that the fact that it has to go to landlords who have a mortgage makes it too complicated and that those may be part of the changes hopefully that are brought in very soon? It's certainly an issue in my end of the country, in British Columbia.
Secondly, having CMHC manage the commercial rent relief program, doesn't that also mean that you would be able to—if the government chose to—administer a residential rent relief program? And I know the issue of jurisdictions, but the reality is it's the same jurisdiction whether we're talking about commercial or residential rent relief.