Thank you very much to the agency for being here.
I'm curious to know what circumstances you think you have to get to in order for people in a negative amortization situation to get back to their regular amortization, short of winning the lottery or having an inheritance that allows them to exercise a lump sum option. Is it really just a matter of hoping that interest rates come down fast enough so that by the time they renew, they can get back to regular amortization? What does it mean for people who have already accrued a negative amortization and are trying to get back onto a 25-year track?