Mr. Richie Boucher:

The key to this is confidence and recognition that the banks do not get everything right. If there are instances where elected representatives feel there is a customer they believe should get a second chance, on the basis of their knowledge of that customer's business, my colleague, Mr. Farrell, would be the best person to deal directly with. He is in the right place in the bank. This is a free advertisement for the bank as well, from my point of view. We need business and we must get business. We have raised the capital and we have the funding. We have managed our costs and we must grow revenue, and the only way we can grow revenue is by getting more business.