Okay. The second question will be to Mr. Bergeron.
You mentioned there was a survey of entrepreneurs and that the challenge most often cited for lack of investment in ICT was insufficient access to financing. I know the BDC understands this and that it's why you're going to focus on this particular aspect. But how did this develop in the first place?
Why did conventional sources of financing not realize there was a need for small and medium size enterprises to get financing to invest in ICT? Why did this need arise? Is there a problem within our culture?