Thank you.
Monsieur Halde, we talked about this business credit availability program. Mr. Macklem has given us the world perspective. We, as members of Parliament--and Mr. McCallum had the same thing--are getting calls from our constituents about how to get the same availability of credit they had 12 months ago. That's a concern. We don't have the answers. I realize that part of it is that we still don't have this budget through and I guess that's why some of the money isn't out. We're working with our colleagues across there to try to get this through as quickly as possible so you can react.
On this business credit availability program, the $5 billion, how does that work? How is that shared through multiple levels: EDC, BDC, and the banking system? Are the changes to your structure meant to be competitive to the banks to encourage the commercial banks to lend more? Is that going to actually encourage them to lend more? Can you give us a little insight into that, please?