We are committed to giving our customers the best products and services that we can. Whenever we are aware that another financial institution is vying for that business, we are very diligent to never undercut the competition on price.
We borrow money through the consolidated revenue fund, and that's at a good price, for sure. But banks have a double-A rating, and they're able to access funds at an attractive price as well. Plus, they have millions of dollars of deposits on hand. They pay very little interest, and they can use that to reinvest in their lending program.
All that being said, every time we're making a price adjustment, where there's a competitor involved, we do not undercut the competition on price. We believe that by winning the business based on service and knowledge, we compete very fairly in the marketplace.