Yes indeed, the government stated in Budget 2010 that it was concerned by the issue of mortgage penalties, partly because there is no industry-wide consistency. Disclosure also varies from institution to institution because different institutions use different methods. So it is quite complicated for consumers to find their way around.
So the government indicated in last year's budget that it wanted to find a better way to standardize practices and to provide consumers with better disclosure. We are presently working towards new practices that will be more beneficial for consumers. We have not finished yet, but it is something that we are actively working on.