Thank you very much, Madam Chair, and thanks to all of our guests for being here. I really appreciate your time. I know that during the pandemic it's particularly difficult to get time away for committee but we do appreciate it and I do think it's important.
I'm going to start with you, Mr. Flack. When we look at the repayment assistance plan recipients, they are required to submit monthly pay stubs, but they are not required to file annual tax returns, as is the case in the Ontario program. During this pandemic, the government has often required businesses and non-profits struggling through some of the most difficult times in their lives to have income tax returns. Why are these business owners being forced to file and show their tax returns before they can be helped when we don't require this in the repayment assistance plan?