As of March 31, 2014, there were a number of AFIs identified in the group and they require capital of $78 million to properly position themselves to deal with the private sector. Some of them, such as the First Nations Bank and the Peace Hills Trust, which Keith mentioned, have already gone to institutions and have levered assets to get additional capital to put out in loans.
When you consider the fact that they've had to go out and borrow funds—there's a $78-million deficit position—that includes a liquidity requirement, and in this industry, it is usually a six-month supply of loans, of capital. This includes that six-month supply.
Some other AFIs have surplus capital. We found in the Deloitte undertaking that we can't necessarily take their surplus and give it to the ones that are in a deficit position. They're all private focused capital corporations or AFIs that deal specifically with a certain geographical area or a heritage group. You can't take nickels from one piggy bank and just plunk them into another.
So there is a need to raise capital and, as Francine said, the work with Deloitte indicated that it's quite an undertaking to balance. As this unfolds or develops, it will become clearer what kind of support and assistance we're going to need.