Thank you very much, Chair.
Mr. Stockfish, what you're saying is if it defaults from a candidate to a riding association, and an individual is guaranteed.... Let's start with an individual who is guaranteed a loan and it goes into default. You're suggesting they have two different ways of dealing with it. One is to take the default and then over a period of years take the contribution to the limit against that default, or to leave it as a loan and expect that the riding association will over time continue to make payments against that, as you said, in a reasonable attempt to repay.
So you're saying there are two different ways it could be dealt with?