I want to go to another question with respect to this shift in credit. Yes, it's right to say that the banks are issuing more credit. It's also correct to say that the non-bank actors have left the shop; therefore, the banks have moved in and arguably creamed the good stuff and left the taxpayer--in the form of BDC, EDC, and the rest--with less than optimum credit. A lot of us are hearing, including from CFIB folks, that the banks and other financial institutions, such as Visa and MasterCard, are really starting to crank up the cost of credit. So you see credit actually constricting.
I want to get a response to that from both Mr. Drummond, representing the banks, and Mr. Mallett, representing the consumers of credit. Are we getting into a situation where credit is becoming more expensive for many of your folks?
Maybe we'll lead with Mr. Mallett and then go to Mr. Drummond.