No, I don't think the issue is about a lack of understanding on the supply side of financing. The reality of investment is such that these are all intangible assets; there is no collateral value you can associate with them. So most businesses basically end up financing this out of their working capital, which prevents them from investing in other types of investments.
For traditional banks, it's very difficult to provide financing without adequate collateral. This is an area that BDC is very familiar with. So we either do partially or fully unsecured financing. Because of the benefits associated with ICT investment, we believe it's worth supporting businesses to access this financing.
The survey cites the fact that access to financing is difficult. It's a matter of fact in their perception about accessing the financing. It is accessible in some cases, but oftentimes they basically have to draw on their operating lines to access it, which prevents them from using it for normal operating needs.