I have one more question, Mr. Chair, and then I'll turn it over to Mr. Allen, who I think has some questions.
From my perspective, we understand that there are challenges in the industry. We clearly get that, and I want to congratulate BMO particularly. And Mr. Conrod, I think you've spoken eloquently on behalf of the Royal Bank, as well as providing the flexibility for fishermen. I know that the same thing happens for farmers out in Alberta, where I'm from, and it certainly is appreciated.
But from an overall policy perspective, we've heard two concerns. When I'm talking about policy, I'm talking about government policy. I heard you say that one of the issues the bank has is putting evaluation or a mechanism in place to determine the value of a licence so that it provides some groundwork, obviously, to go forward from a lending perspective. Also, obviously there's a wide range of licence values, depending upon location. Those are two things that I think are going to be very beneficial for the committee to hear about.
From another perspective, for example, we've recently announced billions of dollars to go into EDC and BDC to backstop and to broaden loan portfolios. What other policy directives could we do as a government and could the Department of Fisheries and Oceans engage in that would make the industry seem more creditworthy in the eyes of financial institutions? Is there anything else other than those two things that you've identified so far?