But I do want to ask another question. We have three members from Atlantic Canada here, and I know that Mr. Broderick commented that capital risk is different from investment in social programs, but when we hear banks talk about risk assessment I would point out that there has been zero appetite on the part of the big banks to assume any risk, even in capital projects in rural communities. That's pretty much the rationale for ACOA right now. I say this because when a guy like John Bragg can't secure bank financing for a project in Oxford, when he's one of the most successful entrepreneurs in eastern Canada and has gone on to make money with that particular investment....
You're saying that you'd like to see the government step up and backstop the investments. Are you seeing any more appetite on the part of the big banks to assume a greater degree of risk in social investment?