Research shows that there is a range of barriers, including people who can't afford devices, those who only have a phone and not a computer. They don't know how to scan documents or even how to send them back. They don't have an email account, or perhaps they don't even have a credit card to make payments. They can't afford an internet plan. They can't afford a data top-up on their phones. The form is online, but they can't possibly fill it out or fill it out and save it somewhere before they can send it in an email, and they don't have anywhere to save it to, let alone have an email. And this is really concerning.