Thank you for those clarifications, Ms. Robertson.
We sense the goodwill on your side in terms of the recommendations and about the work that remains to be done and the improvements that need to be made. In November 2019, a virtual repayment counsellor service was launched online. The service provided the people who had entered into loans, the borrowers, that is, with the information they needed on their student loans, including, for example, the repayment options likely to help them.
Since that virtual service was launched, have you gathered any data about its use? Have any adjustments been made? Can you tell us more about it?