We developed the mortgage charter in collaboration with financial institutions. It's been, I would say, a co-operative approach. What we have found is that financial institutions actually share our government's view and—I'm going to presume here, but I don't think much—your view also, which is that we want Canadians to keep their homes.
Financial institutions do not want people to lose their homes. We believe the mortgage charter is something that financial institutions are able to abide by and are supportive of, because we developed it together with them. I thought it was really important to have it down in black and white, because I at least have found there are elements in there that people just don't know about, and not knowing about it is causing real stress and anxiety.