Yes, and again, we're not pleased with the lag in timing, either.
They are one program. Our chief risk officer would be here with Jérôme, Karen and me right now, but he's actually in a room with lawyers from Gowling's and McCarthy Tétrault finalizing the terms of the contracts with the banks. It's the same solution from our side.
The only difference is that for E and P producers, oil and gas producers, it is important to get their reserve base bolstered. What you just heard from EDC in terms of their guarantee for their reserve base is actually an important first step to make sure that the immediate cash flow requirements are met for the oil and gas companies, and our junior loan comes on top of that as liquidity for the future. Once you get outside of oil and gas, you don't have the same sort of reserve base lending dynamic. Our traditional junior loan works on its own. It's the same product, but it's more hitched to EDC's guarantee for the reserve base for oil and gas than it is for the other sectors.
That's a complicated answer to your question, but I hope it's clear.