Okay. Thank you very much.
Mr. Butler, FCAC, which is the Financial Consumer Agency of Canada, has asked banks to allow certain customers in some circumstances to extend amortization beyond what is normally allowed.
At the same time, OSFI is out banging the B-20 drum that you can't have amortization extensions, and that you must enforce B-20 guidelines on renewals, potentially not for insured mortgages but certainly for uninsured mortgages.
Do you get the sense that OSFI and FCAC are working against each other? What's your interpretation of what's happening at the regulatory level?