I would just add, if I could, that all financial institutions are in the business of taking risk, and the challenge is in correctly assessing the risk and getting appropriately paid for it.
As a relative newcomer to the Business Development Bank I've been quite impressed with the depth and sophistication of the risk-management capability within the bank to assess risk and properly price for it. Also, because of the importance of getting this right, we encouraged the appointment of a director who had a strong risk-management background, so we've recently had appointed to our board a recently retired vice-chairman of risk management for the Toronto Dominion Bank.
So this is an important area, both as an opportunity and as a business technique.