It's a very serious issue. It is a concern, and it is a concern about the product. We share the superintendent's concern about the variable-rate fixed payment, because it's a complex product and it has risks that are being realized and that may not have been fully appreciated.
What we do see happening for those mortgages where possible, as Frank mentioned, is that lump sums have apparently happened and allow for a return. That is not the case for everyone, of course. We have also seen people switching to a fixed-rate mortgage with some other debt consolidation that is more reasonable.
It's very difficult to generalize. That's one reason we have emphasized the need for tailored relief measures. Each individual's circumstances and their possibilities are different, but everybody's situation will be enhanced by at least addressing and understanding the issues earlier and understanding where they have options. That could be up to and including the consumer-led sale of the residence.