Thank you, Madam Speaker. I don't think there's any doubt. I've spoken on a number of occasions in the House about the need to improve access to capital. I know, in terms of the Mortgage Investment Corporation that we talked about last week, that's one means that we're looking at for residential and commercial mortgages. We have the Business Credit Corporation and its new approach to more authority at the regional level and a new approach in terms of the $5,000 grants.
With respect to the chartered banks, I can't specifically say one way or the other whether they've shrunk their exposure when it comes to lending. I know that I can say one thing to the honourable Member, there has been tremendous pressure on the Business Credit Corporation over the last year, and that may be a reflection of the fact that our financial institutions aren't lending to the level and to the degree that we're accustomed to. But I don't have any specific data or research that indicates one way or the other. Thank you.