I'll start, and then I'll turn to Grahame if he wants to add a bit.
Obviously, we ourselves talk to the financial institutions regularly and also with our colleagues at Office of the Superintendent of Financial Institutions. We do talk to them about overall conditions, what they are seeing and their concerns that they see looking forward. I'm not involved in any specific conversations about their precise loan loss provisions.
I don't know if Grahame has anything he would want to add to that.