Negative amortization is not coming up in the context of folks who were on fixed-interest, fixed-payment mortgage terms. They have to renew, and then either they can renew or they can't renew. There may be some other relief options. Those relief options would also be available to folks who were on a variable-interest, fixed-payment mortgage. In addition to that, people in that category have been able to access negative amortization as a temporary relief tool.
Do you think any issue of fairness arises by having negative amortization be a temporary relief tool for some mortgage holders and not for others?