I will just add one quick thing. In the international network we have, each of the regions we work with has its own organization, its own governance, its own board, and its own loan officers.
It's interesting that Keith uses the term “venture capital”, because part of the issue is ensuring that there's due diligence done in the field. We don't do that directly; we rely on our partners to do it.
That takes you through need and how we respond to need. If a region in the world comes to us to say that they need x number of dollars to finance, because there is a requirement in a particular country, we'll go across Canada and raise that money, but in terms of the due diligence that's done, it's up to the local partner and the loan officer to, in fact, vet the potential clients.
They do the interviews. They go out and see them and they verify a number of things; we're driven by the need, through our partnership relationship, to satisfy that internationally.