For this year, and especially with the recent announcement, we can meet our obligations. If COVID-19 goes to 18 months, as was initially forecast, we would definitely start to experience some problems in the second year. A first nation that relies on a lot of own-source revenue, that deals with the public quite a bit, and would be shut down by COVID-19, would really be affected going forward over a sustained period of time.
We hope we don't get there. That's why we have a few recommendations. One is to set up an emergency fund that we can have in place so we can make zero interest-rate loans to our members on a repayment basis. We estimate that $50 million would be sufficient for us to weather the storm for up to 18 months, if we have to.