Thank you, Mr. Chair, and thank you, Mr. Cléroux, for being here.
One of the things I've always been curious about is why the BDC doesn't have a credit card. Maybe you can provide some information on that. The transaction fees and credit costs that small and medium-sized businesses have to carry, and the interest rates, would make a robber baron blush. This is one of the things that could really help small and medium-sized businesses, because there's an absence of competition there.
I'd like to hear why the BDC does not at least venture into this type of an operation with customers of good standing.