If you were to compare return on equity against return on equity, we obviously don't look as good as they do, but that's because we take the kinds of risks quite often that they would not take. If you look at the average loan of $285,000, it's because there are a lot of $100,000 loans and $50,000 loans there for start-up, for innovators, for people who would find it difficult to get traditional financing.
On April 2nd, 2008. See this statement in context.