Mr. Jeremy Masding:

We have put in place 6,700 splits since 2012. There is a three-year review of a split, as is the case with any long-term treatment, and we meet with customers every three years to refresh their financial statement. It is in the customer's and our interest to reduce the level of the warehoused loan and put it into the main mortgage, because the warehouse is due to the bank at the expiry of the split mortgage. It is important we work with customers to understand what the capital repayment plan is and the three-year review is important in this. We are having success in that we are having good conversations with customers in this area.