Our main point behind saying that the value proposition is weak is that it's really just a matter of the sequencing. We feel that we're putting the cart before the horse.
We think the very first priority for the government really should be to develop that long-term national infrastructure plan, with clear priorities, concrete objectives, and specific performance measures. Once you have that, I think the value proposition for the bank will be very self-evident and clear, but absent that, the value proposition is weak.