When I read your brief, one thing that to me comes out very clearly is that it is a system that isn't accessible. Even though it may have all of the elements that we want or need to get the end result, it's not accessible for a number of reasons.
I don't know whether you're aware, but actually that was a complaint of Export Development Canada as well. It provided a new model with a one-window entrance. A number of the program components you have listed are now part of the EDC model. I wonder whether you knew that.