Briefly, we know what it would take to bring the amortizations back into line, and so do the banks. What we ask them to do is to get ahead of that early. Many of these mortgages were written just a year or two ago, so there are three years.... Typically, they're five-year contracts, so we have some time to get this handled. We ask them to get on this early, as does the FCAC. Their mandate is more to ensure consumer fairness in adjudicating that issue.
