What I want to clarify is that these guarantees, though, are for the security of the bank and not for the security of the borrower. If a loan were to default, the borrower isn't off the hook. You would take, likely, assignment of the bank's security, like a normal guarantor would, and pursue the borrower.
You said earlier that there are a number deferrals that are in place. When we had CMHC before the panel, I asked about that, and they said that the deferrals were going to be capitalized in some cases. Is that the plan? Once we come out of the crisis, will borrowers be expected to repay their deferrals? Will the interest be capitalized?