There is a variety of funds here, and I think I agree with you that accountability to one person or one agency can make some sense. We've heard other witnesses suggest that.
I'd be interested in your remarks related to this: Should the government—the Infrastructure Bank, given your access and your ability to access public markets and public funding—be in the banking business as it relates to infrastructure build-out?
I get your argument about those jurisdictions that are unprofitable, but I'm not sure that I get the argument of why it would be in the banking business.