Under our act, to get the comfort of both the credit rating agencies and the investors in the capital markets, we are mandated, when we go to make a loan, that the revenue streams pledged to support that loan are a multiple higher than what's needed to pay the loan. It's called a debt coverage ratio. Currently, every first nation that is an FNFA member is meeting its coverage ratio, which means the revenues it has pledged are a factor greater than its loan payments, and that has been maintained for eight years.
The question will be how long the COVID-19 restrictions will be in place. If they are in place longer than September, we may have to talk with our board of directors again and find out our authority or mandate going forward. Currently, we are in a position where we have no deficiencies, no late payments. It's simply a question of how long this COVID-19 will shut down businesses that have been supporting the loan payments. Right now, we're fine.