Certainly. Thank you for that.
It's just normal operational practice at EDC regardless of the sector. This is something we're very conscious of. We are there to fill market gaps and, therefore, always operate under market principles and practices. That means we are always benchmarking our rates, whether in our insurance products or our financing products, but very particularly in our financing products.
Oftentimes we are part of a commercial syndication or a commercial deal, so we have access to very specific information from commercial players on the rates in those transactions and, therefore, we would not be setting the specific rates. We would be taking the commercial rate in the specific transaction.
Where we are operating stand-alone, then we ask for evidence to prove the market rates, so we're always looking at previous transactions and monitoring the rates in the market, etc.
Hopefully, that helps answer your question.