Thank you, Mr. Chair.
I, too, would like to express my condolences in regard to the typhoon, and my thanks to you, as you are representing Canadians on the front line.
I'd like to focus on Ms. McKinney from Chandigarh, partly because I noticed that your acceptance rate is 53% versus 82% overall, I think it was, and I noticed that you talked a lot about fraud. You said that represented a problem in 15% to 20% of the cases, which means that 80% to 85% of the cases were a problem for reasons other than fraud.
I wonder if you can explain that briefly in broad terms. Other than fraud, what are the main reasons for turning people down in the 80% to 85% of the cases that don't involve fraud?