With great pleasure. The requirement is that our long-term return on equity be greater than our long-term cost of funds, which means that we've got to be showing a small profit. We're not in the business of maximizing profit. That's what financial institutions are for. We're there to earn a return equity greater than cost of funds, which translates into our having the ability to take much more risk than a financial institution because, you know, we don't need to make 20% return on equity; we'll be happy with 4% return on equity. And that translates then into taking more risk, but still, at the end of the day when we lend to a business, we have to make the assumption that generally that money will come back.
If financial institutions stop here, we'll go here, further to the right on the risk curve, but there's only so far we can go, because there are other agencies that are in the subsidy business, the granting business. That's not our role.
So we're fearful at times that people don't appreciate that we've got a mandate but that it has an end at how much credit appetite or risk appetite we can take.