We did not do a formal review, but certainly, we've thought about it, and some comments were provided from some institutions that they would have liked to have been contacted earlier.
We moved as quickly as we could under the circumstances; the situation was unprecedented. We tried to go to the larger financial institutions, including Desjardins, and we also extensively contacted the Canadian Credit Union Association. We did our best, but I think some of the institutions would have liked to have been contacted earlier, so that's something we would seek to improve in the future.