We're told that the Canada Emergency Wage Subsidy and the Canada Emergency Rent Subsidy are fairly simple and easy to access. However, for all programs where you have to borrow money, whether it's the Highly Affected Sectors Credit Availability Program or other programs like that, eligibility is indeed an issue, particularly in terms of the risk criteria imposed by the financial institutions. That's what we hear from people in our businesses.
Mr. Ryan, you may complete my response.