Thank you for the question, Ms. Jaczek.
Certainly, we always want to do the right thing and protect people. You said that the devil is in the details. I actually always agree with that, but it must not stop us from taking action. As you said, the issue has been discussed for a number of years, but basically, the situation has not moved forward since the 2000s. For example, the Companies' Creditors Arrangement Act, the CCAA, has to be reviewed every five years. In 2018, a committee report said that something had to be done. Everyone agreed on that, but nothing was done. The same happened in 2010. This has been going on and on endlessly.
That answers the first part of your question.
In the second part of your question, you were talking about the risks that lenders incur. Actually, banks are very reasonable. Clearly, they also have their requirements. Of course, when they grant loans, they want to make sure that they will get their money back. Banks already ask for guarantees when they lend to a company. They already make sure that a company is financially healthy enough for it not to be too risky to grant them a loan.
Since banks already work in that way, I do not see it as a risk.