Thank you for the question.
It certainly depends on the type of extra prepayment step you put in. Some are more severe than others. There was no doubt that the more we put friction in the system or asked for extra checks, it was going to delay things. It would often be a manual exercise that we would have to do within the CRA. The more we can automate things, the better. Manual exercises delay.
I would say, for example, that through the period—we talked about fraud earlier—we did notice that there were instances when we were suspicious of fraud, so we held and blocked payment while we did the check. In some cases, maybe we forced some people to call us—