I'm going to give you an answer that is a bit long—let me just preface it with that—because the nature of the EDC product and what we do is quite different.
The way that co-lending works is that it is entirely with the banks to do the adjudication and the decisions. We've written the contract so that the expectation on the banks, what they signed up for, is to make sure that they use this credit enhancement for less, to make sure that they lend in a way that reflects the specific challenges and circumstances of COVID. We're asking them to get beyond their traditional risk appetite to level the risk.