Ms. Lavery, I repeat that businesses dealt directly with financial institutions, and when they had questions to ask, the financial institutions couldn't even answer them. There was no one to answer the businesses' questions. It's a well-known fact. Everyone knows it. The Canadian Federation of Independent Business knows it. The Fédération des chambres de commerce du Québec knows it. No matter who you talk to, it's unanimous: there was no one to answer the businesses' questions.
You said the call centre received 10,000 calls a day, which I find very hard to believe. Why would anyone have called a number managed by Accenture number if the loan came directly from a financial institution?