They did some tests looking at financial viability. That's where they came up with the 25% default assumption you mentioned a few minutes ago.
It should be pointed out, too, that on the loans, there's the default question. They are prepared to potentially write off up to 25%. That's the assumption they made. However, there's also the nonrepayable portion, which is a straight subsidy. There are loans and then what they call the nonrepayable portions of the loans, which to the average person would be considered a grant. That's not coming back to the taxpayers of Canada.