Thank you, Mr. Chair.
Just to build on that, the domestic stability buffer was built up as a war chest in good times for use in more difficult times, such as the ones we see. The lesson from history has been that without those reserves in place, banks can tighten and restrict lending, which can exacerbate a downturn and the damage to the economy. That war chest is there, and hence the buffer to absorb some of those shocks.
There's one other example that may be useful. On loan deferrals that are being offered by banks, we have made it clear that they should not be treated as past due or delinquent. What that means is that on the amount of capital that banks have to hold against those loans, the increase is limited. Those increases are not happening. Again, it's preserving capital for broader lending and continued economic activity.