a) Analyse the impact of COVID-19 on mortgage serviceability (i.e., the ability of mortgage borrowers to meet scheduled mortgage payments from income). Explain two reasons why mortgage serviceability may increase and two reasons why mortgage serviceability may decrease. (1 page limit, 8 marks) b) Discuss the impact of COVID-19 on mortgage credit risk. Include mortgage serviceability, savings and house prices in your discussion. (1 page limit, 6 marks) c) Discuss three ways how banks can increase their resilience to changes in mortgage credit risk. (1 page limit, 6 marks)