There's a final aspect to this. The previous witness put together a chart for us that outlined those who would benefit and those who would not. Of course, as you note, there is the not-for-profit sector, the government sector, and others.
Once again, a lot of those types of properties exist in a rural setting. The commercial properties, such as offices, office buildings, banks, stock exchanges, and wholesale establishments and structures like that, are typically based more in urban settings than they are on small rural main streets. My deep concern is that all of these projects would be automatically ineligible under this system, so in and of itself it acts as a discriminatory type of credit. It isn't even applicable to the vast majority of rural areas. They're ineligible for this program.