Absolutely. Thank you for the question.
I would say that between 2020 and early 2022 we had lots of cases where rates had gone up and made a lot of the projects unviable. We actually stepped up and provided more funding in terms of contributions to make those projects work.
That being said, we only fix the rate when we advance funds, because we're providing a 10-year loan. As soon as construction starts we fix the rates and start disbursing funds. If we fix them any time before, there is a risk that the project won't go through and that the non-profit would now be borrowing funds that they can't pay back. We actually wait until construction happens.