Thank you. It was a brilliant opening to the question. I'll reassure you, Chair, that you missed out there.
Turning to the Canadian Bankers Association, one of the things I've heard in a few anecdotal examples—and I think it came up during our previous panel—is that there have been small businesses that sought to access a loan through the emergency business account, and they were being treated the same as if they had been applying for an ordinary line of credit through the bank, with the bank exercising its criteria.
Am I correct in understanding—since it's not the banks that will put up the lending criteria here, but the government—that this was done in error, and that in fact the vast majority of businesses that meet the eligibility criteria will in fact be granted access to a loan through this program?