That's a very good question.
The private investor may be looking for only commercial returns. It's possible that a commercial bank could fund such an instrument. But it might—and probably would—get the most value out of the social benefit that occurs: the contribution to community and the improvement of its brand. Organizations normally contribute back to the community from which they draw a profit, and they provide charitable gifts and donations. That's normally the case in corporate Canada.
I think investors who would normally get just a financial return would value and draw benefit from being associated with doing good in their community and the brand and image enhancement, and they would look for those opportunities. I think we're seeing that generally as part of that triple bottom line movement: looking to do social good, looking to help the environment, and looking to be a responsible participant in the Canadian marketplace.