I would say, Mr. Chair, that again, if you look at the business and the household context, the analogy.... Banks do lend at times to individuals in businesses who don't have much of a credit history. That poses a risk. To offset that risk, they have to do other things, so they will ask, for example, for guarantees, they will seek collateral, that sort of thing. Every risk has another element that can offset it.
The member is right, Mr. Chair. That makes it a riskier endeavour. That does not mean that a bank or another financial institution will not lend under that situation, but it will have to mitigate the risk in some other way.