It's a very good question.
Just the nature of being on a reserve is a real impediment. You can't put up land or other assets as collateral. It's very, very difficult. I'm sure the credit union people would agree. That's the number one thing.
The other thing, I think, is the lack of capital that first nations have, affordable capital. We have some first nations that are still borrowing at 11%, or 6%. Our rates are much better than that because we go to the source. That's another impediment.
For the most part, I think first nations are catching up on capacity. They really are building up their capacity. I would say that a few years ago, it was an impediment also, but they're coming together as a group where before they did everything by themselves. It's very difficult to raise a lot of capital if you're on your own. We have an example of a first nation in Alberta that went to the market themselves, and their cost of borrowing is really expensive. By coming together as a group and going to the market, we're able to get the rates that they really need to borrow on.