Thank you, Madam Chair.
The question has been asked. I want to point out that I will be talking about risk categories.
Since then, the $20 billion has still not been repaid. The money is taxable, so it comes down to the math.
There are various categories. As I mentioned, a number of people who were paid twice, through their employer and through the program, have set aside money. Hundreds of thousands of Canadians have already repaid the money they owed, but we are concerned about low-income individuals; that group was actually the focus of a parliamentary debate. It's an area of major concern. Those who were not eligible for CERB because they had not earned at least $5,000 in employment income will have a very hard time repaying the money they owe.
Right now, we are putting the people who owe money into categories based on their repayment ability and we are coming up with ways to address each of those categories.
As I said, the government is owed $20 billion, and our estimate, based on past experience, is that 5% will never be recovered.