Thank you, and thank you to all the witnesses.
There is no question that this is a sector that's been hit harder than probably any other.
I want to direct my questions to Ms. Grynol on a couple of things.
First, I want to correct something. The proposal we made regarding the GST refund was not a loan. The intent of that was to inject cash flow into companies, small and medium-sized businesses.
There has been very significant investment into the banks to create greater liquidity. Can you give us some idea of what kind of reaction you're getting from your members regarding negotiations with banks on deferrals or modifications on loans? Can you give us some sense of how that's been working?