I'd like to make one short comment, to add to that.
I think it's important to separate the actual capital that we provide, the big number of dollars, from the interest rate or the return that we charge, the interest rate and prime. The actual capital, taking the REM as an example, is roughly $1.3 billion. That is not a subsidy or grant; it is a repayable loan. Where the subsidy portion of it may come in is if we charge an interest rate of 1% and they would have been paying 3% or 4% if they went to the market. The difference between the 1% and the 4% could potentially be characterized as a subsidy. However, that doesn't negate the fact that using that structure, we still get the $1.3 billion back and wouldn't in a full grant scenario. I'll just leave it at that.