My question is for Ms. Scarborough.
I'd like to understand your business's activities better, to better understand your investment fund. When an entrepreneur tries to go into business by creating an SME, he is using his own funds, his savings, he calls on his family and his friends. He may also go to a chartered bank. I am talking here about the big banks that everyone knows. He may also go to the Business Development Bank of Canada, a parapublic organization whose mandate is to support SMEs and grant them loans. I think that there is a graduated approach to risk. The BDC takes more risks, of course, than a chartered bank.
Would you say that you take more risks than the BDC when it comes to SMEs and small investors? If that is the case, do you ask for a better return on the capital you invest?