Thank you.
Ms. Potter, I've really been following along closely with the travel and tourism challenges, especially with independent travel agents. So far, it really looks like the government has offered nothing further than lockdowns for a plan, which has really harmed everybody. On top of that, we now have this HASCAP, which we thought was working. Now I hear from you that it's not really working at all. Even on top of that, HASCAP is charging 4% interest for a loan that you only need because the government has shut you down and given no other options besides lockdown.
Could you maybe talk to me about the fact that there's a 4% interest rate on a loan, the kind of interest rate that many of these companies probably couldn't even afford?