This is a really important question, Mr. Chair, and I appreciate it.
Infrastructure is truly an investment, and I think that word gets overused, but infrastructure truly is that. Spending money to upgrade water and waste-water treatment facilities, for instance—as the member asked about—is a classic example.
There is, over the long run, a way to bring down costs for a community, a community that may be on septic beds or a community that may be trucking their waste to a nearby community to get treated because they can't manage the upfront cost. Over the long run, there is a benefit to ratepayers and taxpayers.
By providing a loan up front and by spreading that out over a very long time frame, what we're able to do is help those communities deliver on—as the member correctly points out—asset management plans, which are great, but they're not great without financing. By providing low-cost, stable financing, letting that stretch over much longer time horizons and sharing in the risk, it really does take down the cost in our water example for ratepayers.