For the officers who are taking in the applications, their training is to make sure that they are providing the best client service to the applicant. We strive to minimize client pain points or client challenges on that.
I'm very cognizant of the fact that there would be instances where there are complex files that may need substantial revision and might have been sent back, but that is also an officer's judgment. We believe that officers take a lot of effort into consideration in terms of looking at those files and accordingly requesting a document through personal contact or returning the application to get it back.