Western Diversification works with the Community Futures organizations in western Canada. There are other organizations in other parts of the country that work with them. When I was talking about the repayment, I was referring to another of our partners that does a type of work similar to the CFDCs' work. It was a Women's Enterprise institute in two provinces that actually had hit the ceiling for their earnings based on their loan portfolios, so they are technically required to start repaying the Government of Canada on those fronts.
As with all organizations, there is some unevenness in the CFDCs. Some have done extraordinarily well. They have developed strong portfolios and have been a significant force in their communities in making good loans, getting repayment from those loans, and growing those funds.
It's not uniform, but the organizations that people know well in rural Canada have been around for almost 25 years, ever since the mid-1980s when they were created. They provide services to small and medium-sized businesses. In many cases, they find information that you might have to run all over the place to find. In rural settings, that can take up an awful lot of time that is better spent doing business.