There's always a potential role for government. For instance, we rely on government-sponsored training programs on how to set up and run a business. Maintaining those types of programs would be critically important. Some of the provinces have programs where they will share in the losses of such a program. That's of some benefit, but I think it tends to encourage organizations to think of this more as charity than anything else. These people do have to go out and engage in the commercial world, so they should learn how to do that right from the first moment.
We've mitigated some of the losses by entering into some partnerships where organizations will guarantee the loans for us. For instance, we have a partnership with the City of Toronto for microloans for disadvantaged youth in the west end, in the Jane-Finch area. They guarantee the loan losses, but they use our program, and we apply our adjudication and our standards and all of those kinds of things.
I think there are ways to drive partnership. I'd be reluctant to say that government should get too involved, but there are some critical points in the process where government can be very helpful, I think heavily, on the education side of things. This is something we have found, and I think research shows that small businesses fail in large part because the owners are not prepared for operating the business.