Thank you, Madam Speaker. This has to do primarily with long-term lending with respect to mortgages, whether they be commercial ones or residential ones. If you will recall, this came about because we were looking at new sources of capital to assist in this process. There was general concern across the territories, and I believe still is, that perhaps banks were shrinking that exposure and not expanding it, and there was a need for a more creative way of providing this type of funding.

The other thing that is somewhat unique to a MIC, which is slightly different from banking, is that we're able to lever the money three to five times. That puts us in a position to take $25 million and make it $125 million. Thank you.