Don, it's really key to note that the regulation change we're asking for allows inclusion of all first nations, because if they have to go through the vetting process under our act and they do not have the internal capacity to pass that vetting process, they must turn to the banks.
Our rates start at 4.25% and bank rates start at 7.2%. A loan guarantee may bring theirs down a bit, but it's not going to bring it down to our level. That means that you're going to have those lower-capacity first nations—it may be for lack of budgetary funding, because they're remote or they can't hire staff—that will not benefit the same way that other first nations benefit. We're trying to level the playing field and make economic inclusion equal to all.