You can't bring it to the bank because there's no security in licences. I explained a little earlier how you'd have to go to the minister and petition the minister to cancel the licence in your name and reinstate it in somebody else's name.
We find also there are leakages of quotas. For instance, with the halibut quota, the sports sector was granted an additional 3% out of the commercial share about two or three years ago. It was during the election. That took $14 million out of the pockets of the halibut fishermen and transferred it to the sports fishery with no compensation.
When banks see no security, no attachment, and the ability of government to move the fish around at will, they're not willing to lend any money. If you're a beginning fisherman and you want to get going in this business, then you have to start out on a lease quota. That's the way I started out, by leasing quota.