Thank you, Mr. Chair.
I'm just trying to understand the whole thing, as I guess all the other members are on this. My question is if somebody is able to get 20 people to sign a $1,200 guarantee each and walks into the bank and says, “Here, I have 20 people who are signing up for a $25,000 loan”.... If it's not necessarily worthwhile for the bank or the institution, they may still say, “No, sorry, we are not interested because of all this paperwork that we have to do.” Is that the understanding I have?