I'm so sorry, Mr. Saras. Thank you so much for that. I will read your brief, but know that your recommendations are very important.
My next question is to 4 Pillars, with Mr. Rocha.
Mr. Rocha, you've made a very powerful presentation. What is your top recommendation for supporting Canadians at this time when we are coming out of this pandemic and expecting bankruptcies to go up? Regulatory change or legislative change may take a long time. What would be the one thing that we could do that would be helpful to Canadians?