You look at start-ups and knowledge-based industries that don't have the assets for security. You look at the StatsCan data I was citing before. They have a big issue around loans not getting approved, so you're focused on the right issue.
We have some lending algorithms that allow us to lend to these companies in a way that doesn't require an asset as a security. We could lend based on projected cash flows. We could lend based on the size of the loan, or on the personal credit rating of the individual involved.
We recognize that's a key segment underserved by the commercial banks, and we need to play a role to make sure these folks get access. We have different lending tools in place to allow us to do that.