Our intention is to provide comfort to people who currently have mortgages, first of all, by reducing the anxiety by giving them options and tools that allow them to stay in their homes. That is what the mortgage charter is about.
I would also say, as we all know, that the key issue here is the interest rate. We haven't really been talking about it, although it's been the subtext of our entire conversation on housing, which is why our government is really focused on doing our part to create the financial circumstances that allow prices to stabilize such that interest rates can move from their current contractionary position. I think we need to have that very much in mind when we're talking about anything to do with the economy, and particularly anything to do with housing.