Thank you all for being here with us this morning. It's been an interesting conversation.
I'd just like some clarification. Mr. Côté was talking about the complexities of filing returns.
Mr. Cross, I think you were not disagreeing, but I think the premise of the question was that the people who are not filing their returns are not filing because of the complexity. Would you agree with that? I think you said, if I heard you right, that there is a fair amount of complexity for corporations and businesses; however, they're not stopping the return of their taxes.