Thank you, Mr. Chair.
Thank you again for being here.
I see it a little different than Mr. Nuttall does. I think BDC exists because the private sector doesn't do its job. That's the way I view things. One of the concerns I have is that we're taking on high-interest loans. For any complaints I have about equity, most of it comes from getting to a bank, and to a credit union, and finding there are no options because you can't go any further.
In terms of your operations, do you charge service fees or similar fees to what the other institutions are doing? Is that part of it? Just go through the process and then.... Let's say a client does fail in terms of an application to the BDC, what do you provide the client at that particular point as they exit, when it's not workable for whatever reason?