Finance committee  Thanks, Chairman. Just before I quickly answer that, I want to give kudos to the credit union. We were on the charter banks' backs with Mr. Easter way back, and they weren't participating and didn't participate. Kudos to the credit union. Regarding the wage subsidy, Chairman, we had a meeting last week, and they knew I was speaking here.

Finance committee  Thank you. It's a good question. When you look at the Maritimes, we're similar when we look at Nova Scotia, New Brunswick and P.E.I., and even with Charlottetown, Halifax and Moncton. I would not want to be in downtown Toronto running a restaurant. I fully appreciate that they've been going about a year....

Finance committee  Thank you, Chairman Easter and finance committee members. lt is a pleasure to be here today to discuss COVID-19 and the implications it has had and is having for the tourism and hospitality industry on P.E.I., as well as in the rest of Atlantic Canada. My name, as you know, is Kevin Murphy.