Thank you, all.
You can think about it during someone else's round of questions, but I've had a few complaints related to.... Ms. Potter, you indicated that for HASCAP you must be deemed viable by the lending institutions. I've been getting a considerable number of complaints from small businesses that the banks are not pulling their fair share. If anybody has anything to add on that later on, throw it in.
We'll go to Mr. Ste-Marie and then Mr. Julian.