Thank you.
I do want to follow up on that. I think you're hearing from committee members, and all of us are hearing the same concerns across the country. I'm certainly getting people coming into the office, people who have not contacted me in eight years, so these are not people who chronically complain. They say they have a business and fair-sized assets, and they say exactly what was said in the presentation: that business lending continues to rise, but the terms and conditions available to borrowers have tightened, so the issue is the cost, not the availability of credit.
You've answered some of the questions there, but in terms of what the government is proposing—the lenders assurance facility, the insured mortgage purchase program—which of these measures will help the most? When you talk about the items in the budget, which I very strongly support, it's hard to relate what's happening there to the person who comes in, like the small or medium-sized business owner. The follow-up question they ask is that while it's fantastic that you're doing this, they want to know how that relates to them, so that their cost of credit will not continue to rise.