Thank you very much, Mr. Chair. Thank you to all our witnesses for your testimony and for your support of the changes that are being proposed. It's very nice when people, who are going to be directly impacted by those changes, come to tell us that this is the right thing to do. It's very much appreciated.
I want to follow up on a few of the comments some of you have made.
To Ms. Deans first, you mentioned that you're not looking for collateral from youth; you're looking for a business plan and for good creditworthiness. If a young person of 22 has a brilliant idea and you're able to help them with a business plan, how do they demonstrate creditworthiness?
How do you assess that? I'm just curious. How could I help somebody to say, “This is what you have to do to succeed”?