Mr. Chair, there are a couple of things I should say in response to that.
First of all, we, along with the private insurers, are allowing for these loans to actually exceed 100% loan to value, if necessary, to keep the people in their homes. That's a flexibility we've administered together through the system.
The way mortgage deferrals work, as the member correctly says, is that those deferrals are added to the outstanding principal and interest is charged on that amount, in keeping with the contract that people signed when they entered into that mortgage. It's a contractual requirement.