I can take this one.
Yes, of course, banks have some flexibility right now to help some borrowers make their payments. We know that with the rapid rise in interest rates, some have been more stretched than others. The objective here is to make it public and to encourage banks that have not been as active to call their clients or make some accommodations by doing that. By making that straightforward and explicit in the budget, we hope that more flexibility will be given to homeowners.