I would say that you are absolutely right, but that's not true just of the bed and breakfasts. In fact, most of Canada's hotel industry is owned by a comparably small business in a community. I think probably all the MPs on this call would know a local hotel owner who has invested all their livelihood.
What is happening right now with BCAP is that they are being asked for personal guarantees against the additional 20% risk that is currently on the bank's shoulders under BCAP. In the hotel sector, I would say that 70% are owned by small businesses. It is a critical challenge.