Okay, thank you. That's the kind of information I was looking for. So in a situation where I may approach a charter bank with a business plan and say I'm looking for a loan in the hospitality sector, it could be the case that the bank might say to me well, this loan looks to be a safe loan, this looks to be a good business plan, but the truth of the matter is we're just not handing out any more hospitality loans because we're overweight in that sector for the next couple of years. It appears that we don't treat it in the same manner as charter banks in that regard.

I would like to ask a question about the ability of the RWED staff who have initially evaluated the loan to advocate for that application in front of the BCC. Does that happen? Does somebody from the regional RWED staff who have initially seen the loan, do they go forward and sort of make the case as to why it has been passed up to the BCC level?