Absolutely. First of all, on the retail side, we're very grateful that FCC has entered the market, because they're providing the most competitive retail finance program in the equipment industry right now.
We've met with FCC numerous times to encourage them to get into the wholesale finance business. We do not view their cost of funds as the barrier that other finance companies may have.
Through these numerous discussions, they have told us that at this time they are not prepared to put in place a wholesale finance program. It would take them 12 to 18 months to do that. They don't have the system in place; they would have to build that system to actually provide that service to our members. For the time being, all they are going to do is tweak their advancer loan program, which is pretty much a short-term solution; instead of requiring a piece of equipment for security for lending purposes, they want the security to be on the land and the building.
We're hopeful that our continued discussions with them will lead to a better solution.