No, I guess it would be addressed to people from ESDC or any of the other staffers who are here. It's more a policy question. I know that Ms. Hogan is responsible only for answering the questions that are provided for in the particular study.
But Madam Chair, when we look at the default rates and we're positioning this as though somehow this is about students' ability to pay, for me the biggest elephant in the room is COVID. If we think this 2019-20 report is bad, I promise you, wait for the defaults in the years to come.
I am wondering, then, whether there has been a shift, in policy discussion, about how to adequately prepare for this.