Mr. David Duffy:

I would typically only see mortgages when they are in arrears. However, to the extent that a mortgage is performing and someone wants to come off it, that would be effectively a new contract to one person rather than the former two and we have to stress in that case the basis of affordability. We cannot issue a mortgage if it is not affordable. One can try to play around with the term to bring the payment down, but it is not within our gift to issue a mortgage to somebody unless that individual, with his or her sole name on the mortgage, can afford to service the mortgage.