Since we were formed 75 years ago, we've worked alongside banks and we have relationships with them in place. By definition, every client we lend to has a bank account and operating line from a bank, so our business is just working alongside banks.
On your question with respect to BCAP, what we've found is that the structure of our co-lending solution actually works and it's smooth and easy to administer. The thing we just need to collectively look out for is to make sure that the banks are taking full advantage of this credit enhancement to get outside their traditional and pre-existing risk sweet spot.
That's the collective challenge, so that they do what's expected and it puts it in the deal to find ways to lend more to clients than would otherwise be the case. That's a function where we have information flowing now and we have a dialogue in place.
That's the key thing that we need to make sure we get right.