Thank you, Mr. Kingsley. We very much appreciate your comments because you have a great deal of experience.
Under the system you are proposing, from the moment an individual is appointed, that individual could be granted a loan if he or she needed it.
However, if that system were not adopted, what percentage would you suggest? What would it be if an individual was appointed, we were operating under the former system and an election had not been called? Do you have a recommendation?