I want to move to BCAP and talk a little bit about it.
In describing it, you say that its goal is to ensure that at least $5 billion in loans and credit support are made available to creditworthy businesses whose access to financing would otherwise be restricted. I'm interested in the term “creditworthy”. It would be safe to say that virtually every company in Canada is more of a risk today than it would have been a year ago, based on the circumstances, isn't that right? Could you define “creditworthy” and say how the definition may have changed over the past year?