It's a question of government policy, so I'll tread delicately because that would ultimately be for Parliament and the government to decide. What I can say is that the mechanism that has historically been in place to deal with individuals who, whether on an individual basis or on a systemic basis because of a recession, are unable to make their payments has been the repayment assistance program.
There was an agreement we were able to reach with the provinces for the first six months of the pandemic, which they supported because we co-deliver the program with them, to freeze that for that period of time.
I would point out that there are a number of provinces that have expressed to us the fact that they would not be interested in extending that, and that it would greatly complicate the delivery of this because it's an integrated program on a single platform, but that would ultimately be a policy decision for government.
As Atiq indicated, the government has announced in the fall economic update that it will freeze interest for all borrowers in 2021-22.