Just in terms of the government level, one of the issues we found, for instance, is that when people who receive social assistance come to us for a loan, depending on which province, and depending on their social assistance officer, they are at risk of having their social assistance cut off. That's a systemic obstacle, when people are trying to get out of poverty, that prevents them from taking that step forward.
Another issue that we're starting to see more and more of these days is that a lot of the bridging programs had paid internships built into them that gave people the opportunity to work in the field, make those connections. Recently, we're starting to see the move towards unpaid internships for pharmacists and physiotherapists. Most immigrants who are trying to go through the accreditation process are trying to maintain survival jobs because they need to put food on the table. If you're living on the verge of poverty and all of a sudden you have to leave your part-time job because you have to go full time for an internship where you're not getting paid, you can't do that. We need to find some creative ways and solutions to address that, whether it's funding for internships or whatever. That's another hurdle.
When it comes to regulatory bodies, I think it's that the voices of the applicants are not at the table. Those barriers are there and they're just not being heard.