It's a catch.
We know small businesses. One of their greatest challenges is access to capital. We have heard time and again that this is their challenge. When they come to us as a credit union, because we're local, because we know the business in the cities where we operate, because we know them—and we often know their mothers—we know if that business is going to be viable or not. We're really able to have that connection, that local knowledge and lend to them. So when they come to us, as long as they have a viable business, they have a good chance of getting a loan. When we're not able to loan to them, they have to go to other financial institutions, which are often our banks here in Canada. There are times when, for whatever reason, they're not able to get the capital that they need.