We have two types of loans. Our first loan is called a line of credit program, and that's money available every day. Currently we raise that through a banking syndicate. The chartered banks raise the money on our behalf, add one per cent for their own profit—they are profit-based—and then we re-lend to communities.
The commercial paper program would bypass the banks and allow us to raise the money on our own name, which means that the one per cent we pay to the banks would now go to ourselves, which means we could reduce the loan rate to our communities and dollars would go further.