Sure.
Generally our risk appetite is higher than that of the banks. We tend to take a layer of risk that is not something they're comfortable with. We will charge, we will price for that risk. We also are trying very hard to do what's called a hybrid instrument like quasi-equity to do exactly what you've just discussed, which is to enable a management team to purchase the business from the owner so the business can continue in Canada. We're very focused on trying to come up with new, novel ways of helping Canadian entrepreneurs and yet at the same time remain profitable.