Thank you very much, Mr. Speaker. I'm a little bit confused, as well, because in some of our other departments, like the ministry of ITI where we provide business loans, or BDIC, we provide business loans and we let the client be responsible for that money. It's still a government department, but that person's responsible. So I'm not too sure how we can do it for one department and not another, Mr. Speaker. Once again, is that policy or directive, is it an FMBS directive, Mr. Speaker?