First, only lend it if they meet the conditions that very capable people are putting in front of them. Your taxpayer needs to understand that this has gone through a very rigorous due diligence process.
What you have to tell that taxpayer or try to explain to him is that it's all this indirect stuff. Without exception, there's a car dealer, at least one, in every single community in Canada with 5,000 people or more, and every one of those car dealers employs 50 to 75 people in that community. They sponsor the soccer team, the baseball team; they're the biggest contributor to the local charities, the hospitals; and that's one of the reasons you want to support this industry: because you're helping the communities in middle-of-nowhere Canada, not just southern Ontario, through the dealer body, through the automotive aftermarket, fixing vehicles, financing vehicles. There's a lot in this value train, and it really is, without any exaggeration, one in seven jobs directly and indirectly.