Certainly time is of the essence. I've been working closely with Finance and now with the BDC on this. Yes, of course we would like to have seen things move as quickly as possible. That said, this is a rather complex area for government. It's a new area that government really has not ventured into before. That's why, in my opening remarks, I referred to it as being innovative.
Clearly, ensuring that the taxpayer interest is properly protected is an important element. I agree with you that we would like to have seen this product offered as soon as possible in this marketplace, because our members are feeling the need for credit and have customers they can't respond to, but it is a somewhat complex structure. We're trying to keep it as simple as possible.
I do feel it's important to say to this committee that the people I've been working with in the Department of Finance have been excellent in their response and in the quality of their thinking. They have been working extremely hard.