There certainly are a number of things. I would like to talk to committee about them. Just off the top of my head, I think, obviously, capital is always scarce. I think, in past, we've had a difficulty in freeing up some of that capital. Oftentimes, when you have the government bank have successful loans that are working well, they are reluctant to move them off to the chartered banks. But I think that we should be looking to take our successful loans and make sure the chartered banks get involved where possible so that we can free up more capital to then go out to other potential lenders.
I think we also need to have a discussion around our grant programs. They have essentially been decimated from
somewhere in the neighbourhood of $10 million in the '90s to about $1.5 million a year. I think there is still a place for grants, but it probably isn't in the larger centres. I think there is some merit in having the grants be targeted in our smallest communities and try to ensure that our loan programs are more effective in the larger centres. I think, for the bigger loans, many of the market-driven opportunities are going to be in our biggest communities. We need to make sure that we have capital that is freed up. There are a number of things that I would like to talk about. We will have to have this discussion around the cap of $2 million in programming for any individual. I look forward to that discussion as well. I think there are a number of things we will talk about in September. Thank you, Mr. Speaker.