I want to be clear. I didn't say that every single transaction to a Canadian or a business should be investigated. I believe those who have been identified as having high risk indicators of being ineligible for the payments they received should be investigated. There are many individuals and businesses that received support they were eligible for.
It is the bucket where we have these high risk indicators that requires more work.
With a risk-based approach, there are many ways to come at risk, but when you've done very little prepayment control, your approach should be different from your typical approach. What we're finding is the same level or so of post-payment work is planned. That's why we recommended that a much more rigorous approach to post-payment verification be adopted.