Thank you.
Dr. Laslo-Baker, I was interested in everything you had to say. I have small kids too and I'm going to yell at them when I get home for not inspiring me to found a brilliant, successful company. In particular regarding your point about the difficulties that small trading companies can have getting credit, I'd like to ask you not so much about the government side of things but how you feel about the attitude of Canadian banks. We've heard from other witnesses at the committee that they feel that maybe those conservative lending practices that served us quite well in 2008 aren't so fabulous if you're an entrepreneur, especially one doing international trade. Has that been your experience?