With respect to creating champions in SMEs, a lot of it is informing them of the opportunities that international trade will bring them, but at the same time informing them of the risk and helping them know how to mitigate those risks. A lot of that is training.
In most SMEs, the employees have finished post-secondary education, and they don't really think about lifelong learning. If a business wants to do something new in terms of getting involved in international trade, it's like learning a new instrument. You have to put the time in to train yourself.
The good thing with SMEs, though, is that you can spread out that training. If an SME wants to look at comprehensive training, the FITT programs have comprehensive training for that. They're also now broken down into workshops. There are tons of resources available that talk about, not what you need to do but how you need to do it.
I think there are tons of resources available for these companies about what needs to be done. We need that champion to get them moving to how they do it. If it's a small company of four or five people, the accountant and the bookkeeper should understand international trade financing and transactions.