That was a question we asked ourselves at the beginning. If you look at all the administrative fees, they're low compared to the total dollar values of loans that were disbursed. Is that good value for money? I'm telling you that the mismanagement of those contracts leads me to conclude that the government compromised that value for money. It could have been done for less in a more efficient way.
You're right in that 91% of businesses that received the funds were eligible, but the lack of recognition at the beginning that this was a loan program, and that you would have to deal with repayments and potentially deal with collecting on defaulted loans, is resulting in more costs. That's why many of our recommendations are about improving the contract terms and conditions with Accenture as they go forward, or any other contracts issue—