But as the member quite rightly points out, many of us have been approached by small businesses trying to access these types of loans and have found in some cases that the banks have taken a view that they have looked at the loan in a traditional lending sense and have decided to apply normal lending criteria. And the difficulty they are having is that they cannot actually get the loans. They have not been able to get the loan that you would have thought was possible with the easing in the credit conditions with—in effect, it would be an 80 percent guarantee underneath it. That is the anecdotal evidence that many of us are getting, and I'm sure the Minister of Finance has had many emails to that effect from small-business owners who are saying that their personal bank is one—in many cases they've had a longstanding relationship where they have said, "We will require certain security." 