Mr. Chairman, briefly, as alluded to in the comments from committee, in reviewing the details of this bill, we found that at least one of the people had been trying to make payments, but could just not possibly keep up. That's what led us to ask about the interest relief program and whether or not it was going to be publicized. I would just like to ask the Minister if he's had a chance to talk to the Minister of Education, Culture and Employment about that program and publicizing it so that people know that there is an opportunity for them not to have to declare bankruptcy or something else to get out of a debt, but this is a way that they could maybe defer their payments for a couple of years to get themselves on a solid footing in a job and get themselves in a position where they could make payments.