Thank you very much, Mr. Minister.
One of the things we've heard, too, is about the forbearance decision. We hear the number 25%. It seems the witnesses couldn't quite agree whether this was a good or a bad thing. They weren't quite sure whether 25% was the way to go.
You've proposed a different idea, a different test. I was wondering if you could, in front of the committee, explain your test—the three-three test—and what you would like to see in that regard.