I'd like to go back to the same question that you raised.
I was going to ask it later, Mr. Rakievich.
It's five business days in the United States, and it's 143 calendar days or 102 business days in Canada. What's the reason for that? I do hear this quite often: how quickly they can make decisions on loans in the United States and here we can't. The Americans are greater risk-takers than Canadians are.
What do you see as the difference? Is it process, or what is it?