Thank you, Mr. Speaker. Yes, it is being done in the event there are hardships amongst some of the clients, so they have an opportunity to have some time, Mr. Speaker. The fashion in which we will do this is we will offer an opportunity for the clients to take it over ten months or less, and it will be a decision made by the clients. They cannot take it or repay it over a shorter period of time. Notification should be going out to them as we speak, Mr. Speaker.