From the perspective of...and to your point, which is when we look at the immigrant population—as I said, referencing some of the RBC studies and others—the actual productivity of that force and its contribution economically and in other ways is just not being leveraged. We haven't effectively integrated them into the workforce in a productive way. They represent a huge talent base for us that we're not utilizing effectively.
So the opportunity that's here with this fund is to integrate them much more quickly. They are the ones who are actually suffering, as well, in particular in this economic situation, and then when you look at the settlement patterns in terms of where they tend to gravitate initially for settlement and then move outwards.
So the rationale is there. The challenge is that there are capacity constraints such that we can't seem to flow the funds.