I'm glad you mentioned the question of fraud, because it obviously has come up a lot here. In respect of the CERB, we know that there were fraudsters who are reported to have gone into seniors buildings, told people they were eligible when they weren't and said that they would facilitate access to the benefit in exchange for a cut of what they were receiving.
I mean, not all of the fraud is by individuals who have received all of the money. In some cases, they were people whose identities were stolen by fraudsters.
I wonder if you want to speak a bit to the nature of the CERB fraud that we should really be concerned about in terms of whom we should be going after and whom we need to recognize as victims of fraud, which is being compounded by the government chasing this debt.