It's partly the risk-averse culture, I would say. I would say that clearly in Silicon Valley the financing aspect, the firm-growth aspect and the technology aspect blended together. If we don't have one, we won't have expertise in the other.
I think we're still building in Canada, I think it's fair to say, our expertise in financing companies, loans, etc. based on intangibles and not on tangible properties. I just think, as with many things that I could mention, the U.S. has been a first mover, and Canada is getting to be a good imitator. That's what's going to happen, exactly as you mentioned. We are behind the curve.