Industry committee  This is based on our engagements with clients, our experience with the clients that work with BDC. If I start with the 300 consulting engagements that we've done, for the most part they tell us they don't know where to start and are not comfortable with a lot of the language rela

Industry committee  Not that I could comment on.

Industry committee  Smart Tech is an awareness vehicle that we use with BDC. It's basically an element on our website that's related to awareness. The lending vehicle is something different; it's essentially specialized loans for the purchase of technology.

Industry committee  Yes.

Industry committee  Yes, certainly. At BDC, since we launched our ICT initiative at BDC, we have had a technology loan that has more favourable terms and conditions than our traditional loan, due to the unsecured nature of these kinds of loans. We've done 1,800 of these technology loans since the

Industry committee  It was launched a year ago, in November.

Industry committee  There are two mechanisms primarily. We have our front-line account managers, who are lending officers throughout the country. We have roughly 400 account managers who are meeting every day with small businesses. So they would introduce these loans to SMEs in this way. In addi

Industry committee  I think there is a need that is not being serviced in other ways, the need for financing related to technology. So there's been a gap for this kind of financing, particularly on the low end.