If I can jump in, I think your response is in the question: Is there much flexibility? The answer is no. I think that's a word that we've been referring to in this place.
It's like a new immigrant who has 20 years' experience in banking in Nigeria who comes here, and a Canadian who graduated from the University of Toronto two years ago. They both apply for a job. This one has two years' experience; that one has 20 years' experience. Automatically, the one with two years' experience gets it, because they say, “You don't have Canadian experience.” He doesn't need that. What he needs is banking experience, not Canadian experience. He's applying for a job in a bank. He's not applying for a job to be a Canadian.
When we talk about equity, we have to look at it from every sphere. When you have money set aside, that application form, I can guarantee you.... Again, I've helped review over 100 application forms for organizations. They take the same one that they may use normally for the Canadian market and they just make a few changes. I point to it and say “No, no. You have to recognize that we didn't have the same protection from creditors, the same access to credit. You have to understand that we have been dealing with this....”
The application process for anything, whether you want a job for a new immigrant, you want to apply for funding, you want to apply for credit, you are not.... I was working in the bank, and I didn't get a credit card until I went with my friend to Albion mall to see a woman who worked at the CIBC. She did me a favour by giving me $500 because I'm a new immigrant.
Flexibility is critical to inclusivity. When we are building this program, don't bring people who have been doing programs for the Canadian market—