I can speak for ACOA. When we do a repayable contribution to a client—very similar to what Andrea pointed out—first of all we look at the application to see if it is eligible for the criteria of our particular programming. That looks at economic benefit, in our case to our region but ultimately to Canada. We look at the capacity of the firm or the entrepreneur to deliver on that project. We look at market opportunities. Depending on the nature of the project, we would also consult outside expertise, which may be scientific or technical experts, on the value of the project.
That's the kind of assessment that would be made to see if there were actually potential benefits that would come out of that project before a funding decision is made. Then again we would enter the negotiation with the client with regard to the repayment terms, talk about jobs created and that kind of thing. It's very similar.