There are likely a range of reasons. One is we target our markets well. We have very deep knowledge on the ground of areas of the economy that we think are likely to grow, and we target those aggressively. We have a tremendously capable workforce that allows us to go after clients in a pretty aggressive and effective way.
We also have the balance sheet of the Canadian operation, which allows us to expand, and take advantage of opportunities as they arise, as we did in Colombia last week and as we did in Chile late in 2017. We approach the region from a global perspective in terms of how we think about capital, how we think about opportunities, and we are very aggressive in pursuing those. It's worked out very well for us.
This is now occurring in a market where, as I indicated at the outset, these economies are growing very rapidly. They're very young. They're underbanked. The middle class is rising very rapidly. There's a high degree of informality, which is lowering in time. These are all incredibly great opportunities for us, and for any organization for that matter.