I want to pick up on another comment, Dr. Mintz. You talked about the wage subsidy program and the portal and methodology of delivery.
What I'm hearing about from most small and medium-sized businesses is the speed to capital. They are very, very concerned about the length of time between getting this portal set up and the application process and all the things that would happen around that. Do you think there's an opportunity here to use a program more along the lines of what we've seen in the U.S.? They use the banks and offer it as an interim debt, and the wage subsidy could roll back to the banks. So, really, you can fund a payroll fairly quickly—almost immediately—and then deal with the wage subsidy as a receivable to the bank, or to pay back the bank, or use some methodology to try to speed up this process.
Do you have any thoughts on that?