Thank you, Chair, and thank you to all the witnesses today.
I want to direct my questions to Mr. Kelly. Hopefully, his technology will work.
Mr. Kelly, to start with, I want to talk a little about CEBA and its accessibility for people who are taking dividends. Those smaller businesses that don't necessarily pay themselves, other than through dividends, may use a personal chequing account to fund their businesses. Can you give me a quick thought on why those wouldn't be included? It strikes me that they should be included in this program.