It's a very good question.
I'll start, and then I'll turn it over quickly to Mr. Berna.
Again, we use existing revenue streams. Every time we get an increase in a rating as our borrowers increase, the amount we borrow increases also, and from there, with a good track record, we get an increase in rating, which allows us to leverage more. For instance, if a first nation is looking into a resource project, it pays a certain rate of return, and every time we reduce our credit rating, it's more of a return for them.