Thank you so much.
And thank you for coming.
I actually won't go too much further on the last line of questioning. I think it was an important question, and your answer was pretty clear. It does suggest that the multiple guarantors issue is at best open and at worst going to be a bit of a challenge. If I've mis-summarized, let me know.
One of the provisions in the bill allows for the Chief Electoral Officer to rule on whether certain exceptions apply to whether it alone becomes a deemed contribution. One of them is if the loan has been written off. Another is if there's a binding agreement to pay—it doesn't say written, but let's assume a written, binding agreement to pay.
I have two questions on these. First, do you foresee writing off loans quite soon after the expiry of the three-year period in this piece of legislation, or would you see financial institutions entering into agreements to repay as almost a continuation of the loan?