I think to a certain extent that is already happening, where businesses are going to try to get some upfront loans. I have to tell you that the biggest help you could give businesses to ensure that they have the confidence to borrow money, either through the Canada emergency business account or on their own, or using shareholders' own resources such as the value of their home in order to pay that, is by removing the 30% criterion for small and medium-sized firms. If your government were to do that, at least for the very small guys, who don't have accounting procedures as sophisticated as those of some of the larger players, I think more and more businesses would have the confidence that they're going to get that money, eventually if not today, and they will be able to hold out.
I would invite the government and the opposition parties.... I agree with the statement that we don't want this wage subsidy legislation delayed. We need to get it across the finish line very soon to have the certainty for businesses to use it. If we could fix that eligibility criterion, that 30% rule, at least for the smaller or medium-sized guys, I think a whole bunch of the problems would melt away. I'd ask you and your government to consider just that.