Thank you for your question. Honestly, it's a good one.
I'm not aware of all the negotiations, but I know that we're quite comfortable with the current collaboration. We serve as a conduit for a number of government programs, including business loans. We're quite comfortable in that role. We've taken much the same approach as we've taken with our relief measures. Something had to be done very quickly to support people and businesses affected by the economic downturn.
I can't tell you how the negotiations went, but I can say that we are comfortable enough in our role as a partner with governments to support our members and clients.