Thank you very much to all the witnesses for their presentations.
I'd like to touch on the issue that was not discussed today, although it was in the submission from Mr. Wong and Ms. Go. That is the issue around barriers to accessing citizenship. You touch on the issue around language and the upfront requirement, and your recommendation is that we should do away with that and the double testing as well.
But there's also another issue around barriers to access to citizenship and that's the financial barrier. I wonder if you can touch on that issue.