You raised the point in your presentation, which was excellent, about the prepayment penalties as people are...emerged and not able to keep up their mortgage payments, the penalties, fees and compound interest charges for mortgage deferrals. In fact, we haven't seen the banking sector do anything like certain credit unions. Vancity and Community Savings sort of dropped their interest rates to zero.
What are the impacts when we provide so much support to the banking sector, but there's no responsibility to pass that on to people who are struggling: small businesses in my area, people who are struggling with consumer debt or people who are really having difficulty making ends meet? It appears that they're just going to be part of the windfall profits that go to the banking sector.