If I may, the legislation is prospective, so I think you're going to find that in the future there will be less of a discrepancy in the numbers, because we moved to the single application process; we are going to be much more reliant on CRA data to adjust the income levels; and we will have received all of the information that we need to put people into pay, including their marital status. We expect that the take-up is going to be pretty close to 100%.
There were two application forms, and we still had to go back and ask them about information, such as marital status and income level.
We need to look at this in a prospective fashion and continue all of our outreach efforts to ensure that financial literacy is not an issue and that we're reaching everybody as much as possible.
I don't know if that helps in any way.