I can go first if you like, Clio.
RBC, where it is possible, sets up agency banks. That gives an opportunity to have face-to-face access with a person to do the loan applications. If there is connectivity or bandwidth for virtual appointments, we will do mortgage applications through remote account opening. We do mortgage applications after we have been able to set up a program or decide with the first nations leadership which programs they want to use that are available to Nunavut communities.
We will also go to communities, travel in and do paper applications, and then, where there is no bandwidth for connectivity to the Internet, we will make sure those get loaded in, that applications are processed, and then there's another trip back into the community to meet the individuals on an as-needed basis.
We will also do appointments through the telephone, but it takes a lot of connectivity with the first nations leaders to make sure there's no fraud occurring in the community.