Thank you. I can appreciate your comments for the most part, but one cannot complain insofar as bank profits are concerned.
I want to talk about venture capital and about creating a funds of funds. Someone suggested that a funds of funds be set up. I agree that we shouldn't set up many small funds, because we would get lost in all of the fees. When the funds get overly large, we can buy tickets and build up a bigger pool. However, would you not agree that SMEs or, as we call them in Quebec, the PPEs, which stands for “petite, petite entreprise”, are shut out of this type of structure? The danger is that the funds of funds will be set up far away in Toronto or in Montreal, and that the Gaspé region will be overlooked. Isn't there some risk that small businesses will be shut out of the bigger picture?