It might be interesting to look at the primary care initiative model, because it does, at its core, have the principle of integrating different service providers. There are chronic-care clinics that have been established, urgent-care centres, to bring together those specialists, but also to reduce the burden of administration on some of these providers, be they physicians, etc. So just of note, there is another model that's being developed in Canada that I think is quite innovative and worth attention.
The rest of my questions are for Ms. Stark. Perhaps you could very briefly, as I don't have a lot of time, describe some of the key points that your organization uses in underwriting loans to your clients.