Thank you.
Mr. Taylor, I appreciate the explanation you've given. Obviously COVID-19 has created a lot of challenges for policy-makers. You've talked a little bit about the Office of the Superintendent of Financial Institutions and about making some minor changes to allow for banks and other mortgage carriers to have a 5% pocket, or a set-aside, so that it doesn't affect the overall amount of the mortgages they have under deferral.
Could you maybe elaborate on that, why that would be important for offering some flexibility not only for those borrowers but also for the institutions?