Thanks very much for that.
The concern in the public's mind, of course, is that the big banks have had over $5 billion in profits so far during this pandemic and, anecdotally, businesses are not getting access to liquidity. We're not seeing that trickle down into the community. In fact, in many respects the programs where businesses are accessing loans are ones where the Government of Canada has basically picked up through BDC and EDC 80% of the guarantees. What we have are the banks taking that massive amount of support, an unprecedented amount, and it's not trickling down. The loans they seem to be giving are the ones that have already been guaranteed and underwritten by the Government of Canada.
Does that worry you? This doesn't seem to be working, all this massive amount of support to Canada's big banks, except for them, of course.