Most of the requirements in insolvency are set out in the legislation or regulations. As I mentioned, I do have directive-making power. We can provide some flexibilities on some requirements. We would do that fairly carefully. We are sort of leaning toward areas where we can actually embrace technology and efficiencies. I often say to my team that we're being catapulted into the 21st century by having to go online and use all of this technology, but I'd rather see whether we can embrace it rather than try to fight it and assume that we're going to go back to normal.
We're exploring all those options that will provide significant efficiencies to the system. For us, it's always about balancing the efficiencies and the gains with the risk of non-compliance. That's the delicate balance we walk. Right now we have a bit of a pilot project, which was not chosen by us; by extending the remote delivery of services for LITs to March 31, 2021, we can look at how that goes. How are debtors being served? Are they getting the service and advice that they need, and in the way that they need it? If we can mitigate any risks, then that's an example of something we could continue.