Are you concerned that there's an issue of fairness for folks who were on a fixed term with fixed payments, had to renew in a high interest environment and really didn't have any option at all? Had they chosen a fixed payment with variable interest, negative amortization would have been an option for them, presumably, because it's something that banks seem to be doing quite a bit.
Are you concerned about what this means for folks who, as they look at a difficult economic situation, maybe regret not having chosen a fixed-payment, variable-interest option in order to access another relief tool that folks on fixed terms weren't able to get?