The answer is that it is a very good investment strategy for the government. The reality of it is that the financing arms of the auto companies have traditionally been quite profitable, because this is quality paper, based on people buying a vehicle and leveraged against the value of that vehicle.
Certainly at Toyota, we take considerable pride in the amount of retained value in our vehicles over time. So there's a good asset there. Typically on one of our contracts, the customer ends up with equity in the vehicle that they apply to the next one. So they're very conservative instruments. They are tied to the value of vehicles, and they're tied to something that the Canadian consumers are not leveraging against. This is their principal means of transportation.
So it's a very conservative, if you'll excuse the term, approach to financing.