We have been very specific in the conditions for the BCAP guarantee to eliminate any payments in dividends or increases in CEO or executive compensation as shared by banks, etc. Those are not permissible under the program itself.
With respect to dodging and transferring, it is a specific loan between a financial institution and its customer that is supported by EDC. We do internally ensure that we are providing the same facilities to the 120 institutions that are in the program, so if a customer wanted to break their loan with their financial institution and move to another one, as long as that financial institution is in the 120 programs where the guarantee is offered, it would be available to them from us.