Thank you for the question.
Our loans are basically now facilitated through the credit unions themselves, so the credit union may have a client who is interested—whether it be a cooperative or a commercial client or whatnot—in having a loan put in place, but it's a loan that might be, say, $50 million or $90 million, and far exceeds what their regulatory capacity will allow. So what they'll do is come to Concentra, and we'll offer the additional funding, or we'll coordinate the effort between other credit unions, or we'll fund it and then syndicate the loan out so that we can actually spread the risk among various credit unions across Canada.