I don't think it's a discrepancy. I think it's the nature of the different economies.
It's really hard to make comparisons between each of the regions. As Mr. Jones pointed out, the west was in much more dire straits just before the pandemic, and when you're making a comparison to southern Ontario.... Even within southern Ontario, we have very different impacts from the pandemic.
There were a number of regions that were locked down for extended periods. Our demand fluctuated significantly as lockdowns rotated around in various regions within the jurisdiction.
Our refusal rate was assessments of eligible costs and what have you. It went back to the point at which you had to have gone through all the various other programs to be able to show that you were ineligible or you were not able to meet your financing needs through some of the other mechanisms before you could come to us.
If our default rate was high, it was because either they received funding from one of the other support mechanisms, or they didn't have any other costs that weren't covered that would have been eligible. It's a reflection of our good due diligence on the projects that came forward and our risk assessments of the investments that we were making as they came to us, which we did regularly and throughout the program.