Let me clarify. It's not a department. These are aboriginal institutions that, for all intents and purposes, act as cooperatives. They are generally established and owned by local communities, and a group of communities in a geographic area has development corporations and is on the boards of those development corporations. Each one of them received initial allocation capitalization from the federal government through Industry Canada ten years ago, and that initial capitalization served as a startup. They were then expected to survive on their own and just turn the money around. They have in fact turned the money over about six times and have been very successful. As I said, the loan loss rate in this high-risk area has been around 5%.
It's that kind of thing. The success that I see comes because of the local control. They have been able to work in an area and be successful in it when numerous government programs that have tried to do that over the years have not been successful. So the local control is the absolute key.