I had one question. We're not in clause-by-clause. I could say it directly, but—
There is one question. We were supposed to get some experts, and they did not show up. Some of them are in retirement and they don't have to be here the day after we ask them, but we end up with no witnesses to question, except for one on the law of Ontario. We're not getting the expertise.
I don't know if we could get an answer to one of the questions I was looking for. What about the person and the association when they make a loan? It is three persons when they make the loan; is it the association that made the loan? Do you remember when I was raising that question?