Thank you, Mr. Chair.
I'm going to pick on somebody different, because Mr. McKay has taken a lot. Maybe I'll look to BMO.
To make this simple for any Canadians watching, when a bank lends money to a project, to a company, they are, of course, considering risks, but they basically want to make sure they're going to get the loan repaid. Is that a simple way of saying how this money flows?