Thank you very much, Chair.
I'd like to go back. Along with all members of the committee, I think we're fairly surprised at the clarity of your math. There are 150,000 people on the wait list, and they've all paid $1,400 or so. It's an awful lot of money.
In your assessment, is this a question of the government making money off people's wait times? Is that what you mean when you talk about interest-free loans?