Your question is with respect to our broader mandate, and as I mentioned in my introductory remarks, our mandate is to be commercially viable. The trade-off is that our risk tolerance is much higher than the chartered banks. That said, we do have to price to compensate in order to remain commercially viable and to continue to grow to support entrepreneurs. That is the trade-off. They would be able to go to the chartered banks, but their request for financing might not get accepted.
On November 6th, 2017. See this statement in context.