That's an interesting observation, and I think it is exactly the type of information that we want to hear from Canadians right now to get to the heart of the issue as to how competition is working—looking at, for example, barriers to entry for new, smaller lenders, such as fintechs, to grab a foothold in the market and bring innovative services to offer a greater diversity of products and more financing options for SMEs.
We're also looking at switching costs. That's the ability for a small or medium-sized enterprise to expand or invest in new machinery, looking at its ability to play the competition off each other and to switch suppliers if it sees a better deal elsewhere.