You Don't Win Friends With Salad

TD and CIBC have just over 25% of the residential mortgage book with amortizations greater than 35 years. So essentially what that's telling you is these people that are on these static variable fixed payment mortgages, basically their amortization,. which we have originally been in say a 30 year am, is essentially being pushed out to 35 40. I mean, we've seen some that are 45 year amortizations, right? Because basically no principle is being paid off on these mortgages.