Thank you very much for that.
Very quickly, I'm interested in the conversation you're having with banks right now about these extended amortizations, from the point of view of what both financial institutions and consumers should be doing to prepare for the renewal period.
If interest rates haven't gone down significantly—or even if they have—in order to get that amortization back down to what it ought to be at renewal, there would presumably be significant hikes in the fixed payment.