Thank you very much, Albert and Pascal.
I should mention as well that we received quite a number of submissions, 423, I believe, before August 10. Those are on people's iPads, so you'll see members looking at their iPads from time to time, and it's not to see if you're saying the same thing today because you can add to it. We do have those submissions and they're part of the consultations.
Next we have the Canadian Association of Student Financial Aid Administrators, Ms. Piperni and Mr. Levac.