Thank you.
Mr. Phillips and Mr. Luimes, in your opening statement you basically gave us the comparison of your market authorizations for the small businesses, SMEs, in the various regions, and it was 18% overall. Yet in two of the provinces, P.E.I. and Manitoba, it's 50%, in Saskatchewan it's 62%, etc. Reading into that, in Ontario and Quebec obviously you don't have as much of a penetration. Would that be a fair assessment, then?