Thank you, Mr. Chair, and thank you, Ms. Bahen and Mr. Thomson. Picking up on where Mr. Fragiskatos left off, I find it rather remarkable that your organization of only four people with an annual revenue short of $450,000 could identify all of the obvious red flags that seemingly were avoided by the Prime Minister and cabinet, even after the Prime Minister supposedly pushed back, but I'll leave it at that.
I want to pick up where Mr. Cumming left off with respect to bank covenants. He noted the misleading testimony by the Kielburgers with respect to their suggestion that they were only in breach for a short period of time, when that was not the case, much the same as Marc Kielburger misled the committee when he implied that Charity Intelligence had lost its charitable status for the entirety of 2012, as opposed to a day. When we talk about banking covenants and a charitable organization being in breach of banking covenants, in your experience, Ms. Bahen, or Mr. Thomson, how common is that and how big of a red flag should that be?