Thank you very much. This has been most informative. I'm going to be rapid-fire, as we only have five minutes left and I have four big questions. So if you could be very succinct in your remarks... I'm going to ask all the questions first.
Mr. Campbell, please comment on the Small Business Loans Act and whether or not it needs improvements. What do you think needs to be changed in that?
Mr. Halde, if you could, on the subordinate financing, I'm quite interested in how that's working, of course, as a combination of a loan with some kind of stock option equity issue. I'd like to know whether or not that's working. Has it increased or decreased, regional versus industry?
Mr. Hayes, you mentioned syndication and said you were concerned about it. Could you elaborate on your concerns?
Mr. Rémillard, I want to talk about the procurement that you mentioned. The Sikorsky deal, of course, was the big helicopter deal that we did, $3.5 billion. There was a $50 million investment pool. Was that successful? Should we be encouraging government?
Most importantly I'd like to encourage the government that this is a very serious issue. Access to capital is going to continue to be a very serious issue. We talked about a perfect storm and this is it.
Mr. Campbell first, please.