Our approach is to be complementary to the financial institutions. Our role is not to take a deal away from the financial institution. That would not make sense. Through BCAP, which was referred to in both presentations, the concept is that if financial institutions really aren't prepared to do something, because they feel the risk is maybe a bit too high, they will refer them to us. You have to understand that there are 6,600 branches of the chartered banks in Canada, unless I'm mistaken. We have 100 branches. For us to lend more, we need referrals from the banks, obviously, and we've been getting those, thankfully.
I think a lot of entrepreneurs that would have been turned down because they were not considered creditworthy enough we would, in some cases, still take. Having said that, we also will only lend to someone who is creditworthy. We just might draw the line as to what's creditworthy in a slightly different spot.