Okay. Thank you, Mr. Chair.
Through the chair, my question today is for FINTRAC.
Can you elaborate to the committee in what moment FINTRAC first believed that defrauding the original CERB and CEBA was inevitable or at least that there was that potential? I know you met with this committee, the Standing Committee on Finance, in July of 2020, and I know that you warned of the potential.
In your commentary earlier, you mentioned advising as early as January of 2020, but I'd like to get some clarification on when FINTRAC first realized the potential for the defrauding of the programs.