Sure.
Our mandate is to be a self-sustaining crown corporation, so we no longer only take on deals that the banks or credit unions are not interested in. That was done many years ago, and as I mentioned before, we went bankrupt. Our mandate is to be competitive.
I would say that gaps exist in the industry. Our 50,000 clients are perceiving some kind of gap, because they're dealing with us. We are in every market in Canada, for every size of producer, and in every industry. Our largest growth comes in difficult times, and this past year is no exception. Our clients and other clients perceive a backing away of interest in agriculture during tough times. One of the reasons we were created and one of the reasons we are around is to ensure that there is a lender out there willing to support family farms in every marketplace and in every sector, not only during the good times, when everybody would like to be involved in agriculture, but also during the difficult times, and that is what we do.