A lot of the uptake in the program is, as I think Stephen commented earlier, the attitude that the banks have taken.
I'll give you an example of the chartered bank that I deal with. When we approached them and said we wanted to submit an application, they said, fine, you're perfectly entitled to do that, but there are a couple of things you have to do. First of all, you have to have your accountant prepare the business plan.
Well, accountants are great at figuring out how to keep tax dollars from the government, but they really don't do a lot of good work when it comes to business planning. And that was going to be a $3,000 bill in my case.
Second, they said, you have to prove that you're viable for the next two years.
I asked what that meant. They said I had to prove that I was going to make money.
Well, back in November, that was a pretty hard thing to prove.
Third, he said, by the way; if you get this loan, we immediately will place you in special risk, because you're a high-risk loan.