Thank you very much, Madam Chair, and thank you to all the witnesses for your presentations today.
I would like to first go to Mr. Mulatris with a question on one of the issues that surfaced in this study, although some of us knew of it even before the study. The student direct stream requires the applicant to hold a $10,000 government bond, which can be cashed out later, while the new Nigeria student express program requires the applicant to have the equivalent of $30,000 in their account for six months, which of course, as you can see, is much more onerous not only in amount, but in the way the money has to be held.
By having this significant difference for different applicants from different countries, do you think this is a gatekeeper to keep people out and that doing it is discriminatory?