Perfect. Thank you, Mr. Chair.
Thank you all for being here today.
Ms. Morin and Ms. Carter, I want to pick up on something that you brought up during your presentation. I think it was you, Ms. Morin, who talked about small businesses and their—I'm trying to refrain from using the words “ability to pay” because I feel that's part of the act and I don't intend to associate the question to that part of the act. Could you give us some tangible examples of what has been done in the past that has made it difficult for these businesses? Is it an IT system that they have to pay for? Is it more staff? Could you go into a bit more detail on what you spoke about earlier?