Mr. Jim Brown:

I would like to share how we address this issue. We have 20 cases that are on a split mortgage - where the loan is separated with two different interest rates. We believe we have a better solution to that, termed an "economic concession", which looks at a reduced interest rate across the entirety of the loan. What this enables the customer to do is to pay more towards a principal reduction during a period of financial distress. As a consequence, we think this is a better outcome for the customer. Perhaps Mr. Bell would like to add a further comment on this.