Mr. Hamilton, thank you. I appreciate that.
What I'm hearing is that there are different times and this is not a crazy unusual number in terms of what we see in the report.
I want to take you, Mr. Hamilton, to exhibit 7.1.
I guess I'll go to Ms. Hogan first. My apologies.
You noted in the report that there were not as many applications that were disapproved or many of them were auto-approved. When I look at the number, the number that I think is extremely important is the actual initial value of the applications in the millions of dollars. Almost 40% of that number had some type of manual review, which I think in the circumstances is quite strong.
Can you comment on that in terms of whether or not overall it seems that, yes, a lot of the smaller applications maybe were auto-approved, but there was quite a bit of manual oversight? Is that fair to say?