Following up from public accounts committee last week as well, you're asking for a large sum of money and you will be asked to be the agent of the Crown. That's what you had told me at committee. I heard from Mortgage Professionals Canada, just downstairs today, and from others as well, that rolling this out would take up to 10 months just to get the IT systems into place on the broker side, on the loan side.
Has that been taken into account at all in the rollout of this program?