It's a two-part answer. First, the comment you made around the challenges in getting access to financing is accurate. You may have seen the StatsCan data on this. We always analyze the extent to which loans are being approved by segment and subsegment of the population, and we look at the differences between mid-sized businesses and smaller business. The approval rate for larger businesses by the financial sector is 96%. For smaller businesses it's 81%. For women-owned businesses it's 79%. For immigrant-owned businesses it's 77%. For young entrepreneurs it's 72%.
On May 3rd, 2016. See this statement in context.