That's correct. The delinquency rate is 0.19%. To put that into context, we've seen that rate go as high as 1.00%, so it's still fairly low.
Yes, unfortunately I do expect that rate to continue to go up as Canadians renew, and some have difficulty with that. What we've done is put in place some pretty serious capital rules or capital expectations to ensure that banks have buffers to absorb losses bigger than they expect. From what we're seeing, the delinquencies and the losses they're producing are at a low enough level that the banks, particularly the large ones, will handily absorb those losses through their earnings.