We have a team of experienced investment professionals who can provide you with many examples where that is the case. A ramp-up risk is simply one example.
Another example is if there is a much-needed service, such as broadband or electricity transmission, to communities where the end-user base simply won't support the cost. That would be a perfectly good role, for necessary and needed infrastructure, for the bank to make up that difference.
Those are just a couple of examples of when valid risks exist and we think we fill a very important and needed role.