Thank you for the question. I'm not familiar with the number of 20% to 40%. It sounds a bit high, but certainly if you finance anything externally, it's going to cost more than if you finance it internally.
Our program doesn't have the authority, it doesn't have the mandate, it doesn't have access to any funds, which would be useful to lend to departments, but it's not how the program is designed, nor the authority that we have.