That's a really good question.
We know how commercial banks operate. They're in it to make a profit for their shareholders, and the loan guarantee program is virtually risk free for them. I don't know how much they will be able to sharpen their pencils to give the nations a break, considering that they do have to make money themselves, but organizations like us are not for profit, and our membership is made up of first nations. All of our savings, the profit that we would make, literally goes back to the first nations, and we provide them with lower interest rates so that they get a better rate of return and can do more things in their community with that.