Hello there. Thank you very much for the question.
We are told by ACTA, which is the Association of Canadian Travel Agencies and is a little different from us, that there is $8.5 billion in future travel credits out there. This equals $200 million in commissions that currently are sitting either [Technical difficulty—Editor] 15% of those right now have already been clawed back, so travel agencies and independent advisers have already paid those, but the following 85%, if those future travel credits get converted to refunds, would also be clawed back from us.
We're asking for that fund to be set up so that initially advisers can go to the fund to apply for a refund for the 15% that already has been clawed back and then, moving forward, so that the airlines and their subsidiaries, their tour operator companies, such as Air Canada Vacations and WestJet Vacations, would be able to go to that fund instead of coming back to us for refunds of the commissions.