I think that's an important point to clarify. We do probe and we have almost daily conversations with our regular entities. They aren't just the top six; they are all of our regulated entities that we are collecting data on.
The first thing is that we are not aware of penalties or fees being charged on deferrals. We share your concerns about that, but it is not a standard that we have seen applied.
There are different methods that different banks are using in their treatment of interest. Some are continuing to charge interest during the deferral period. Others are rebating that interest collection. Our focus has been on ensuring that the disclosures banks are making to their consumers are initially accurate, and we've also asked them to go back, now that the dust has settled on the first wave, to ensure consumers really understand what they have agreed to and what all of the costs are.