Yes, that's a great question, and I would say, hands down, the government programs certainly assisted our members. If I look at the number of members who take advantage of our CEBA program, we have completed, up to today, just under 3,600 CEBA loans, so we've been helping our members that way.
In our hospitality sector—which was, as Mr. Murphy shared, very hard hit—they had to make some really tough decisions in their operations, looking at closing down some properties in order to focus on others and scaling back operations, but we worked really closely with them and used the co-lending program to also assist them.
I am aware that some of our members have also used the wage subsidy. That has been helpful for them, but we've had no members use the BCAP, which is a program in partnership with EDC. I suspect that, as we come over the next few months, we will have some members take up the HASCAP, the highly affected sector financing as well.