Thank you, Mr. Speaker. So these loan guarantees then are offered in all communities in the Northwest Territories, market and non-market communities, and again, what is the advantage? I mean, I suppose the economics in market would dictate in the market communities whether or not a project will be viable. So what gap, or what role do you see your particular program filling? What's missing in terms of commercial banking that you need to be involved in that? Thank you.