Thank you, Mr. Chair.
It's an interesting quandary in a sense that a lot of people argue that it's government or government-affiliated agencies, and we should just get out of the way because the private sector will do it better.
Here we have the Business Development Bank having to fill a gap that the private sector won't touch, or is reluctant to, or reluctant to with the interest rates.
Maybe you can explain the difference—and I think people need to understand this—between yourselves, the credit unions, and the banks with general lending. Distinguishing that element is very important as there is a greater degree of public interest in public accountability and public investment by the BDC versus that by the private sector or a little bit by the not-for-profit sector. The credit unions are not really not-for-profit, but they're a different mixture all together.