I appreciate the question, and I think again over the last decade plus, we've seen a lot of that push towards the P3 public-private model. There are examples—I mentioned some of the public banks over primarily in Europe, northern Europe and other places—that place an emphasis on having public-public collaboration. Again we're seeing that the private sector isn't coming forward to invest in these projects. Again McKinsey and the others have the optimistic view of a 5:1 return. They're not even making a 1:1 return. That's really holding that piece up.
To reorient the bank towards providing those low-cost loans to municipalities without having the requirement to have a private partner as part of that is going to be one of the key pieces that will need to be addressed if this bank is to move forward in a good way.