That's the way it works. It's democracy, right? You have a majority. You're going to win the votes when you need to. But we still have to listen to each other speak, just like I listened to Mr. Baylis.
There are a couple of things. First of all, if I were a betting man—and I'm not—I would make a bet that when BDC finally comes in here, they will give you examples of where they're in direct competition with private sector banks.
I know that: I just can't give you a personal example. That would be breaking my client privilege that I have to respect under the Privacy Act from when I was in finance, so I won't. However, I can give you sectors that they're involved in, which are ridiculous, such as the hospitality and hotel sector in urban centres. You sit there and you go, “How is that spurring economic development?” They're traded—