Actually, I will move that, Chair, and perhaps turn to our panel. I'll explain the reason for it. But there is a cascading effect here, and maybe we could hear from our panel on the net effect the amendments would have on the bill.
Essentially this just changes the timelines from what was in the bill, 18 months, to three years, and that was simply to give people more opportunity to deal with the financial aspects of the bill. We have heard testimony, I'm told, from people who were asking for this kind of extension. I don't think it takes away from the important intent of this bill and the importance of having limits on loans and on any loopholes within loans.
That is the intent of these amendments. Maybe we can go to the panel on this.