Thank you for your question.
Quite honestly, there are two things. One is there's no excuse for the poor client service experience that you're associated with, or that your client or your interlocutors are talking about. That sounds terrible.
EDC were a key partner with us at the very front edge of the crisis. Honestly speaking, it was because they had the full waterfront of financial instruments available to them. They had expertise in guarantees, insurance, lending and equity. They had plugged-in relationships with financial institutions and credit unions in both federally and provincially regulated spaces. We needed them at that point in time.
When we deployed the emergency business account, which was the big thing for small and medium-sized businesses, we relied on EDC.
Downstream, their client service performance and your request for better reporting and better identification of who got the loans regionally and by the size of business.... The point has been completely taken. I haven't looked at a CEBA performance report in a long time. Perhaps I should brush up on my understanding of that, but it's certainly been noted.