I'd actually say almost none. Again, I'll point back to the fact that probably the biggest challenge is that at one time the pillars in our financial services industry were very distinct. Again, not slighting the big banks, they're an important part of the success of the country, but with their acquisition of the lion's share of the wealth management assets in the country, their conservatism trickled down to compliance oversight. There's enormous pressure on advisers and investment bankers and so on not to put forward a product that is risky to risk-adverse investors.
There is a way to manage that, but at one time there were literally hundreds of syndicated deals brought forward in Canada every year, investing in all manner of industry, through debt or through direct investment into the system. That market has almost completely dried up. I think it's the leasing companies, the factoring companies and so on, that could use an infusion of capital. That infrastructure exists, and it's much less regulated than the banking industry, but it has been dramatically constrained by the move of investment assets onto the big banks' balance sheets, for valid reasons. Again, I go back to moral suasion on the government's part, encouraging the banks to get behind structured products and investment alternatives, where advisers can talk to their clients about putting money back into the economy in ways that were done in Canada for a hundred years.