Thanks, Mr. Chair.
Mr. Johnston, I found it interesting that you say you initially capitalized $900,000 and then another $100,000, so you have $1 million dollars worth of capital. That capital comes from the federal government, I assume. It seems to me that your institution is operating profitably because you are still able to give out money. Do you operate at a loss, or do you operate profitably?
When we heard yesterday from Francine Whiteduck, she was explaining that AFIs generally operate at an average of an 8% loss. How does your particular organization do?