I think what's important to understand is that with any sort of access to capital, you have enabling programs that support the deployment of that capital. What we need are innovative programs that support the movement of capital to the communities. In this case, we're trying to develop the entrepreneurs in communities, which requires business development officers to support each and every entrepreneur with pre-business support services, capacity programs and just getting them excited to start a business.
It's the same thing with mortgages. Everybody is used to social housing. We have to move them to an understanding that having equity in a home is very valuable in creating generational wealth. That takes time, and that takes capacity and development and the right enablers to ensure we can deliver these programs.