I think, as I've mentioned in all my other reports on COVID relief programs, what the government did to quickly roll out funding to support businesses and individuals followed international best practices. You would expect limited prepayment controls with the expectation that more significant work would be done after the funds had been disbursed.
You rightly identify that $49.1 billion in loans was quickly disbursed to almost 900,000 businesses across the country. Most waited less than a month to receive that funding. When you recognize that the objective in early 2020 was to help support these businesses cover expenses they just couldn't defer, that was a success. What wasn't a success—