Prior to the recession, BDC had never actually offered an operating line of credit. We are not in that business. We are in the business of financing projects, and the projects are normally the purchase of fixed assets or the expansion of a market, or if you want to develop a new product, we provide term financing, which is normally for three years up to about 30 years. So we're a long-term lender.
This recession is different from the previous recession, because normally the operating facility was well covered by financial institutions, including the foreign banks and including the non-regulated players. Now some of them have completely gone out of our market in Canada. So the banks and financial institutions have been attempting to fill the market gap but, quite frankly, will not fill the whole market gap. So BDC was asked to provide a guarantee on an operating facility to facilitate the maintenance of an operating facility or in some cases the increase of operating facilities. But normally we're not a player in an operating facility.