Thank you very much for that. I appreciate that reply.
Mr. Gimblett, I was very taken by the fact that 95% of your members are seniors. Before I entered politics I worked with seniors in a retirement home where I had the great privilege of meeting our veterans, men and women and also some spouses of our military.
I have a question, and it's just a clarification for me because I know you made reference to aspects of payroll not meeting certain criteria, and CEBA. In my view and my mind, they're two different programs.
CEBA, I understand, is a loan that you would need apply for through your financial institution. Is that what you were referring to?