This could take us back to multiple guarantors. There's a paperwork issue and diminishing profitability.
On this theme of the public duty, Mr. Lukiwski put it really well with a really vibrant example. There are some sectors of bank lending that have slightly different criteria, if I'm not mistaken. There are some banks, anyway, that approach non-profit organizations and lending to non-profit organizations in a different way. Broadly speaking, there's a public duty reasoning I think behind that. I'm not sure if I'm correct in that.
Is there anything we should be thinking about on how lending occurs with respect to non-profit organizations and this public duty discussion we're starting to have?