Okay. Thank you.
In terms of the information you've provided around the deferral of requests and approvals, I understand that these are statistics that come from the big-six banks themselves. I note the number of declined deferral requests. If it were put out across the country, it would mean that in my riding, seven deferral requests would have been rejected. I can tell you, just from people I know of and constituents, that it's far more than that in New Westminster—Burnaby alone.
I'm wondering if there is a bit of a filtering process going on. The banks are providing these numbers around mortgage deferrals, but are they also including people who have been discouraged from applying or who haven't completed the deferral process because banks have already told them that they won't qualify?