I have one quick follow-up on that before we go to Mr. Christopherson.
I think it's probably also important that we remember this was created in the midst of a massive recession, in 2011 and 2012, when we were in a global recession and there wasn't access to the capital markets and there wasn't much access to credit for some of these new start-up programs. I think that was the impetus behind making certain that some of these new programs had that opportunity. It wasn't just about how we were going to compete with capital markets; there was even a hesitancy by banks to give out capital.
I don't know if that's a question or a comment.