Thank you.
I'll follow up with Mr. Lee again. For all the hard work you did to get here, we should accommodate you as much as possible.
You talked about the mortgage default question. Arrears are at an all-time low, which is very interesting. We've heard over the past couple of years what was going to happen to the housing market and the defaults that were going to take place. Hearing you say that is very interesting.
I'll let you expand on that a little bit, but I have a couple more questions for you.