Thank you for the question. I apologize for answering in English, but my French is very bad.
We decided that an additional six months' extension on the mortgage deferrals was required because the people who we think are most significantly impacted by the COVID-19 shutdown are the folks working in travel, tourism and hospitality-related industries. Some are anticipating that it's going to be at least 12 months from last April before the airline industry, for example, really gets anywhere close to previous volumes. The folks involved in those industries are not generally in low-paying professions; they will be in very secure roles once those activities return.
As we said, we really do expect there to be an extension of credit to only the folks we anticipate will actually have a good opportunity to be able to begin to repay those loans once they return to work. In March when the announcement that deferrals were available was made, you will probably all recall that there were record-breaking numbers of phone calls to banks and lenders as people tried to avail themselves of those deferrals. Just because of the sheer volume of requests, the deferrals were given to effectively everybody. There wasn't an awful lot of means testing, and so there were an awful lot of people in those programs who probably didn't actually need them from a cash-flow perspective, which is why, encouragingly, we're now seeing a number of people sort of step out voluntarily to make those payments again. We do think there are some sectors of industry that likely will continue to need that support beyond September and October.