This may not even be a fair line of questioning, given your specific area of expertise, but I have a real problem with the fact that we're going to be now putting financial institutions in the position of deciding whether or not certain individuals are a good risk as far as lending to them is concerned. For instance, if they don't pierce the requisite threshold—Say I'm the Brown Bread Party and I'm an independent or a small fringe party that may have a few candidates but never form government. I think we're putting the financial institution, then, in a position of saying whether or not this is a good financial risk and de facto saying whether or not I can exercise my right to participate in the democratic process.
I guess my other question to you would be this. Do you monitor abuses? Again, I would question what Bill C-54 is trying to fix. Does Elections Canada look at—? Do you have statistics—if you don't have them now, perhaps you could send them to us—of the number of defaults, the number of years that typically large—recognizing, again, that you have different donors and different donor levels? How long does it take most of them to pay back those loans? And again, I would agree it's probably the major parties that take up most loans.