The borrowing power of communities...? Actually, I would love to hear from Harold and Manny on that one as well.
Credit rating is really important, but the challenge in many of our communities, as my colleagues know really well, is that the Indian Act hampers our ability to develop credit. The Indian Act does not allow us to own our land, which is an impingement on investment into our communities. As a prime example right now, I'm trying to build a home on my reserve. I make a pretty decent living and I can't get a loan from a bank unless I'm backstopped by my community, so I think part of the market forces are just the Indian Act and our ability to actually attract capital.
If you wouldn't mind, Ms. Bérubé, I'd direct that to Manny as well and maybe Harold.