It's an important question, so thank you, Mr. Chair.
There are a couple of points from me on this front.
First of all, the way that the parliamentary appropriation system works is that it's illegal to overspend your vote. Number one, you have an authorized amount. You don't want to spend right up to the penny because then you're risking overspending, which is against the law. We actually want some cushion.
The other thing is that when you're dealing with programs where take-up is important, so loans to immigrants and veterans affairs programs and any kind of grants and contribution program, the government is estimating how many people will come forward and apply. However, at the end of the day, we are takers. If the applications don't come in, you can ask whether you were not advertising this properly and why you underestimated.