Yes, I would agree with that.
In terms of the scenario of the young person coming in looking for 100% financing and encountering some difficulty, the bank lends using a variety of criteria. As Peter mentioned, experience in the industry, some equity, and some support in terms of perhaps sponsor support from a guarantor would all be factors taken into account. But somebody coming in with no experience and looking for 100% financing would encounter some difficulty in getting financing, whether it was in the lobster industry or anything else.