Thank you, Mr. Chair.
As to the more granular data, I would be very interested in knowing how many of these deferrals take place without penalties, without fees, without all of the add-ins that I certainly heard from my constituents that banks are imposing. They're profiting from the deferral.
Does your granular information reveal what percentage of the deferrals have come without penalties and what percentage have come with fees, penalties, and compounded interest charges on top of that?