Let me cover a couple of things with respect to that question. The first is that yes, EDC is a lender and EDC is an insurer. I think sometimes people gravitate to EDC's financing capability and don't understand what insurance actually does.
Insurance is actually a financing-enabling instrument. So, for instance, when we insure receivables for a Canadian company selling abroad, that means security for banks, and banks can then lend against that. The more insurance there is, the higher they will lend against the receivable.
EDC provides bonding. When we provide bonding support, we guarantee the bank. We take the bank off risk. That allows the bank to redirect that credit to something else, so it liberates money so they can--