Thank you, Chair, and good morning, gentlemen.
I have a bit of difficulty with the one statement that you mentioned, Mr. Halde, and that of course is that your role is to be complementary to traditional financing. While that is admirable, and obviously I think that may be a prudent way to go, the reality is that in many parts of Canada, and particularly in rural Canada, there is no access to traditional financing--limited to none. As such, obviously, if they have no partner to start with, that leaves you not able to participate. We've seen this on many occasions when people have gone to the BDC and they've asked, “Where is the partner involved?” Have you had any thought in your deliberation, in your management, to give that any consideration?