Yes, the ones that are falling through.
There are two things happening in the marketplace at the moment. When you go through a recession, the weakest point will be the one that will fail. One has to ask the question of which one you want to invest in, the stronger one that will come out of the recession and help the recovery of the country, or the weakest one where you're only going to delay the end result.
That's what BDC tries to do. BDC has sufficient power to be able to exercise its mandate. But banking is an art; it's not a science. It is the art of sitting down with an entrepreneur and looking at all the elements--the marketplace in which they are, the way they have structured and organized their business, their financial strength or not, and the entrepreneur behind it and what the entrepreneur has vested into that business. All of that helps the banker to make a decision.
In the situation at the moment, I would say there are places where, if the government wants to have an intervention and help support companies that are perhaps on the verge of failing.... It's a different approach from that of a development bank; it's grants and subsidies, whereas BDC's role is to stretch itself, which we will, and we are. We took substantial provision for losses last year and we will take substantial provision for losses this year. Having said this, it has to be temporary, and at the end of the day we have to have the sense that the business we're supporting is going to succeed, even if it's high risk.