Thank you, Mr. Chair.
They were calling the call centre because at one stage in the program, I believe with version three or four of CEBA—there were six versions—there was an expansion of the program to include a category called non-deferrable expenses. That was a category whereby the potential recipient of CEBA had to prove they had expenses they were no longer able to fund and had had those in the past. They were providing information, and depending on the sector, type of industry or type of business, they wanted to understand if these expenses were eligible.
Often, there were many dialogues around whether expenses were eligible for the calculation, therefore allowing them to be in receipt of CEBA. The banks were not able to advise on that. The banks were there to ensure that the funds were appropriately distributed after eligibility had been determined. That was conducted through the call centre.