Thank you, Mr. Chair, and thank you to each one of the witnesses for being with us today. Those were very helpful and detailed submissions you all made.
I'm going to start with access to capital. We're at the end of our study. This is the last day for witnesses and we've heard from a number of SMEs who have testified before our committee from a variety of industries and sectors. Many of the SMEs told us about the difficulty accessing capital as a major impediment to moving toward exports, or expanding export opportunities. What suggestions do you have to address this challenge? Mr. Turi, I think you just spoke of one, the $100,000 targeted amount. Do you have a cost for that program? Do any of you have any other suggestions for how we can make capital more accessible to SMEs?