You'll pardon me if I cut you off and try to move on.
Bill, you talked about start-up funds, the idea being to get credit unions or co-ops up and running. What are you thinking about in terms of dollars? Are you thinking in terms of x number of dollars, a percentage of the start-up? Are you thinking of whether it should be a grant, or should it be a loan to be repaid to the feds? What are your thoughts on that?