Yes, as I said in my testimony, most of the applicants today apply by telephone and have a dialogue with a counsellor. The counsellor can be one of ours, or the person may phone a client service agent at Veterans Affairs to ask the same question. The person would be given an explanation of what the means test is. If the counsellor is on the ball, the next question would be whether the person can supply us with his or her financial information so that we can determine eligibility. Of course, before that, the person has to demonstrate that he or she is, indeed, a veteran of the armed forces.
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