I'll start taking a first shot at it. Clearly, in the jurisdiction that FedNor serves, we don't have the traditional lenders in all of our small communities. Therefore, CFDCs—and Alain was referring to their mandate—play an extremely important role in providing higher risk capital to small and medium-sized enterprises in the regions they serve. They do so, however, in partnership with BDC. Wherever they can, they do so in partnership with the banks. We hear all too often from the traditional lenders that it's a great project, but it's in the wrong direction, that the risk is too high and they won't approve it.
When a CFDC provides that assistance, or FedNor through its own private sector programming, then the loan, particularly from the CFDCs, becomes bankable. They then sell the deal to the banks, which is our way of trying to attract the banking community back into making loans in our small communities in northern Ontario—for small SMEs they would otherwise never consider.