Thank you.
I'd like to add to what my colleague said about paper-based processing. We are digitizing applications so they can be processed remotely, given the restrictions in place throughout the world.
Digitization gives us the ability to process applications that would have normally been processed in a specific region either outside the country or in Canada. By digitizing, we can adjust processing capacity. That's one of the efficiencies that has resulted from the pandemic, one that is very beneficial to clients.