If I could, I'll just add to that.
Just to illustrate Annie's point numerically, if the cost of a project is $100, you're quite right to say that the government could fund 100%. If it's 100% in the case of the REM, private sector capital would not come in because there are too many risks inherent in that project, but if the CIB, after looking at it and doing all its financial due diligence and structuring, suggests that we would be in for 40% of the $100, or 35% of the $100, that may be enough. It's that sweet spot we're looking for to fill that gap. That may be enough to entice the private sector to then come in with 65% or 60%.
What you have at the end of the day is the very same project. In the first scenario, it gets built with 100% taxpayer money. In the second scenario, that very same value-added project gets built with 35% or 40% taxpayer money. That's the magic of crowding in private capital. If we're not there for any amount, they won't be either, so it's about getting that balance right, and that's what the team of investment professionals does on a regular basis.