We utilize the CALA, and CALA enables us to do lending that we would not otherwise do, because there is that guarantee. The HILLRP enables institutions to give restructuring loans that they might not otherwise have given.
But as I indicated earlier, my members started doing those restructurings before the HILLRP. They were doing that without government support. The vast majority of our lending out there has no government guarantees associated with it. It is done on commercial terms. It is subject to the same prudential standards that we applied to any other loan. It is subject to OSFI looking at the portfolio and saying, “You're doing the right thing. You have the right amount of capital, and you're taking on the right amount of risk.”
While those government programs are important and they do help to foster incremental lending at the margin--I'm just going to repeat this--the vast majority of the lending we do is outside of government support programs, and it is done on commercial terms.