Mr. John Hogan:

With all of these things, there is a general principle that the Minister does not get involved in commercial decisions of financial institutions but there are frameworks to protect individuals when they transfer and there are strong measures from the CCMA for mortgage holders who find themselves in difficulties. Over the past ten years, the suite of measures put in place to support borrowers in difficulty have been built around the principle of engagement if there is a difficulty, as well as options from individual financial institutions to adjust or adapt the product the borrower has in order to alleviate some of the pressure.