I just have one addition to make.
Certainly, in looking at past scenarios of who we've considered for that 100% financing or a new fisher to the market, an option would be off-balance-sheet security, if that's available. In the scenarios that I've seen that look similar to this one, we do put a lot of weight on whether this person can bring to the bank a character reference, someone we would know who will vouch for him, who will indicate that he is capable of doing what he feels he can do with the licence. Then further to that, there may be an option, by way of the buyers or otherwise, to offer some sort of financial support into that transaction. But that's not necessarily a requirement; it's something we look at on a case-by-case basis.