Thank you for that question.
First of all, the act is a voluntary act. Those organizations would request to work under the act.
With regard to competition or more lending groups, I would imagine you're talking about sharing the pie. I always go back to letting the choice be with the first nations or the entity that's borrowing to see what type of financing would be most suitable for them. I think there is a lot to go around.
With first nations, we mentioned a $349.2-billion infrastructure gap. I can imagine that gap is pretty big for Inuit and Métis as well. I was at a conference a few weeks ago, and I heard that the Inuit infrastructure gap is about $60 billion.