I'll take the specific question of the social insurance numbers and maybe put it into context.
At the beginning of this program, we definitely had a balancing act to get the benefits out as quickly as possible while doing as much upfront verification as we could. At the end of the day, we knew that we would have back-end audits and/or verifications to rely on if we were to miss something in the first effort. Part of our calibration was to think about the right equilibrium between getting the benefits out soon and doing some upfront verification that would help us at the back end.
We thought about asking the employer to include the social insurance numbers of the employees, but it was felt at that time that this was going to significantly slow down the implementation of the program and delay the benefits to the businesses that were looking to support their employees, so we made a decision to not require that.
Instead, on the T4 slip now, the employees include statistics on when they earned money through the course of 2020. We can use that information to go back and check whether there was an instance of somebody claiming the CEWS and also claiming the CERB, for example.
It was really an attempt to balance that act and recognize that we couldn't move fast enough if we were to include the SINs at the beginning. However, we did know that we had the back-end verification and would have better data then to catch it up.