It's an interesting question. I've only been with the bank for three years, so I can't go back more than that.
First, let me assure you that we have a board of directors that keeps us quite honest, and they're doing a great job at it. We're never fully satisfied, because there's always more you could do—just following the last question. We're a development bank, so what else could we be doing? We're planning our strategic retreat for the fall, and the question we have on the table is, is there anything else we could do to help out?
So are we doing as much as we could? The answer is probably no, because there's probably something better that we could be doing, but that said, we like to think we're capable at what we do. I think we price for risk well. We take the kinds of transactions and risks that others will not take. In venture capital, we go where others don't want to go, which is at the very early stage of venture capital. We provide very affordable consulting. So I think SMEs are well served by the presence of BDC.