Thank you, Mr. Chair. And I hear where the Member is coming from as well too, and I found this an area that I would have liked to concentrate on immediately. And there's so many different areas that we've been trying to work on within the portfolio. But the outstanding mortgages is one of them, and what I've learned to see is that we do look at refinancing. We do look at trying to work with the client and trying to forgive the interest is one of the bigger barriers that we're able to kind of be successful with the client on. I'm just going to have vice-president Jim Martin speak about the forgiveness of debts as well and how much we've forgiven over the lifetime of this government. Thank you, Mr. Chair.