Thank you, Mr. Chair, and I want to thank all the witnesses for your testimony today.
Mr. Metatawabin, it's nice to see you again. I don't know if you remember me, but Andrew Leach introduced me to you last year, so it's good to have you here.
I was really shocked to hear that some of these organizations are having to forward some of the folks to Community Futures and regional economic branches because there is a difference in how they access the loans through those programs. Can you be a little more specific about what those are, what the challenges are and what the differences are?
You talked very clearly about how the second phase has to happen without delay. I've heard from some folks that even if it was retroactive, it would be helpful, but it's not always about being retroactive because often that's too late. I'm wondering if you could speak a little about that.