Thank you, Mr. Chair.
My first question is for Mr. Jack.
Mr. Jack, you spoke a bit about how different jurisdictions around the world have been handling this issue of refunds and noted that other countries have actually done a lot better in getting money back into the pockets of the air passengers who bought tickets and had their flights cancelled. My question is why we've seen such a different circumstance in other jurisdictions compared with Canada. Is it a matter of those jurisdictions having different or stronger legislation to protect their consumers, or is it a matter of political will? That is, have other governments done a better job of getting those refunds for their citizens?