Thank you, Mr. Speaker. We look at these on a case-by-case basis, and there is individual case management. I think that that's something important to remember. We recognize that the BCC is a lender of last resort. As such, it takes on loans of higher risk; loans that typically banks are not interested in. In some of our smallest communities where banks won't go, it is the only lender. We acknowledge that there's additional risk, but we don't go into these loans and don't go into working with clients assuming or thinking that the businesses won't work out or that they'll fail. We go in and expect to see the best efforts of all parties, and we make every effort to work with the clients and counsel them where necessary.

I know that our economic development officers in the communities do have discussions and lay out options for recovery plans. Sometimes businesses do go sideways through no fault of the loan applicant or the proprietor. Things can happen. At that point, when we sit down to talk about recovery plans, we lay out all the options for clients and we look at wind-up scenarios. Sometimes they include things like bankruptcy, but I think the point is that we don't get into these loans assuming that they won't work. We wouldn't lend money if we thought the business was going to fail. We know and acknowledge that there is risk and do try to work with the clients, but I think that you'll find that the BCC does a very good job in working in the communities to make sure people recognize all the options before them. We're not trying to push them into any of these options. I think what's best for the client is important and we'll work with them on that basis. Thank you.