Thank you so much.
Just going back to the $20,000, I have to be honest, Minister, that small businesses could either pay off their loan—they were given a choice—or refinance. I agree with my colleague. It's either like paying a credit card with a credit card or ending up paying for an additional $20,000 in debt. How did the government come up with that decision, knowing that we lost many businesses as a result of the pandemic? It was not the fault of businesses or anybody else. What's the rationalization for that?