I'll start.
I think the most important thing on rent subsidy is to get it out. It's still not available. We understand it's still going through the Senate this week. Hopefully, once it gets passed, hopefully this week, it will be quickly launched thereafter.
December 1 is coming. As you mentioned, there are many small business owners, like the woman you're talking about, who had landlords who didn't apply for it, even though they were eligible. We believe it's important for government to consider those businesses. For all those businesses that haven't been able to pay their rents for the last six to eight months and weren't able to get help from their landlord, we believe there should be something retroactive for them to allow them to build.
One of the biggest issues women entrepreneurs are telling us they're worried about is debt. That debt is accumulating, whether it's been deferred or put aside or they've had to find other ways to pay it. We believe there should be something at least provided retroactively to all those business owners who were not able to access the old rent subsidy program but were eligible under those rules that were there then. That's one thing that can be done, for sure.
I also think that the Canada emergency business account loan needs to be simplified for those businesses that are very small, because right now it is very complex. That would be another big one that needs to be looked at very closely.