We're not that smart as people, so we like to keep it simple. The model we've been working with since 2000 is exactly what the BDC needs to roll the money out. It's proven; it's documented. All the bells and whistles are in place by lots of Toronto law firms to make sure it does work, and we have the testimonials of our partners who have been using it for up to nine years.
So that model works perfectly, and it can go very quickly to customers like Joe at Tricor and to any number of other customers we have across the country. The issue is the rating issue. They're working within the box of a AAA rating and it is not rated. We rate it internally, but it's not formally rated by any agency. And we don't see the value in it being A-rated, because we understand the details and what's actually in the things we're buying.
So it is there.