Several questions there, Mr. Speaker. I hope that I can keep track and remember them all, but in terms of the patient capital, this is one of the new programs proposed by BDIC. They are out actively consulting. They are around communities in the North. I hope Members are being advised and apprised

that they are in their communities looking to consult with stakeholders on this. I think that can be a successful and new program for the BDIC. So these discussions are underway.

We are also looking at creating some differential rates, loan rates, depending on the level of risk to the business. We may have prime plus one, two, three, depending on the level of risk of the business is another thing that we had looked at, the BDIC is proposing. We were looking to put that into regulation.

Increased cap -- thank you very much to the Member -- there has been some discussion around this and I think our preference at this point would be to see those businesses that have a track record and are bankable, that we would get those loans out from under the realm of the BDIC and into the realm of the chartered banks. They don't really need the BDIC support and we can move them off into the chartered banks. That's what we would like to do and free up more money under our portfolio for new businesses. So there are some things we are looking at. If that isn't really viable, then maybe this is something that we do need to look at and that would be a couple of different tiers of lending. So these issues are very much in a state of discussion and we continue the consultation on these initiatives.