With respect to fraud, when we talk about a straightforward application compared to another application that has more screening or more thorough, in-depth investigation before putting a stamp of approval on it, how does this affect the processing times? Do you have a ballpark figure as to whether it's a couple of hours versus weeks? I'm just curious to know.
The bottom line question I'm going to ask you at the very end of all of this is: what is the cost of fraudulent applications, perhaps, to the Canadian taxpayer? How does this affect this whole area? Obviously, for processing applications that are all legitimate, straightforward, easy-peasy, there's a difference in cost from those associated with people who are trying to scam the system. Could you speak to that for a moment, please?