I can't speak to real estate secured lending. That's not my area. That sits elsewhere in the bank.
I can say that, for credit cards, we have many programs in place to help support our customers if they're struggling with paying their bills. We have proactive services called TD Helps, Ready Advice Centre. We mine our base, looking for signs of stress and proactively reach out to help restructure debt, debt consolidation activity, moving to a more appropriate product. It's a very robust program.