It's my pleasure. Thanks for the question.
Our program essentially straddles both the retail bank and the commercial bank.
On the commercial side, we set up a contingent liability. That's based on the indigenous community or the first nation government. We have that overarching contingent liability approved at the first nation level in the commercial bank. This is based on the strength of the financials of the first nation. That's how we get the initial program set up.
Then it moves into the retail part of our bank. That's where individual members come into a branch and apply for a loan. Let's say, for example, we have $2 million authorized overarching for our first nation community. Let's say it costs $200,000 to build a home in that community. They would come into the branch and request a $200,000 loan. We assess that individual based on the same assessment markers for anybody across Canada. The exact same application process happens for the individual. The difference is really the security that's in that. Off reserve, it would be the house. In a community, we're really relying on the guarantee from the first nation government.