Personal guarantees, as you all know, are a standard practice for any bank when it comes to unsecured lending. It's just to make sure that the borrower has skin in the game. It's like a large-scale version of the skin we all have in the game with respect to our credit card bills and telephone bills. The difference is that it's at a much higher scale.
Personal guarantees are things that we request. When the loan is against either secured assets or fixed assets as collateral, the guarantees are less important. Again, to the extent that the situation doesn't work out—I had to call today one of our clients in Guelph, Ontario—and the personal guarantee is called on, especially for us, we always have discussions with the entrepreneur in a very collegial and non-dramatic way. Again, personal guarantees are a core building block of unsecured lending.