Thank you very much, Mr. Chair.
Thanks to the witnesses for being here this morning.
I'm going to continue with you, Mr. Milliard. I'm sure you're aware that Canada has nevertheless retained its AAA rating. We always said during the pandemic that the federal government had borrowed money so that Canadians and ultimately the SMEs wouldn't have to borrow more.
You touched on some very interesting topics in that connection, and I'm taking note of your recommendations. However, I didn't hear you discuss the repayment of the $60,000 loans and loan forgiveness of up to $20,000. Would you please tell me about that?