A lot of what I've heard from business owners in general, of course, is about the time that it takes away from what they're desperately trying to put together. They're very busy in terms of those businesses. It consumes so much of their life, so to try to carve out some extra time to be able to apply for a lot of these programs is very difficult. I heard that a lot when I was working on the trade file.
How are you helping these businesses and these people do that? Has the application process been more streamlined over the years? Could you explain a bit of that?