A lot of startup loans, people with what we define as thin credit--for example an immigrant coming to Canada or a business based on innovation, where there's really no hard security as a backup. There are a lot of businesses where, from a banking standpoint, there's not the type of security one would like to see, but they're still good business models.
We are moving to a service industry. We are moving to a different kind of economic environment. I think that all financial institutions will need to adjust to a new economic environment.