Perhaps, Mr. Chair, I'll take a moment to address the three issues.
In terms of the trend in the fishing industry, the demand for credit in the fishing industry has been slower than the demand for credit in other industries. My business loans are up 9.7% year over year. Our growth in our fishing industry exposure would be less, but that would primarily reflect demand.
The second issue is with respect to the credit approval. We have a lending limit in Atlantic Canada of $7.5 million, so it's only credits above that amount that would go into Toronto. As you can appreciate, that deals with probably 98% of people in the industry who fit into the commercial market segment. My account managers typically have a 15% discretion on whatever has been approved, so it means that if we had a $2 million credit approved, my account manager on the ground could grant another $300,000 in credit, on his own decision.
The industry risk rating is only about 10% of the overall risk assessment that we do, so we rely very heavily on our people on the ground to testify to the quality of the fisher person or the person in the industry and their experience. We rely heavily on that, because that's our most unbiased source of information.