I have two thoughts.
You mentioned the CFDCs, which I'm pleased you did, as a willing partner. When we were talking about default rates, you mentioned that BDC, obviously, has a higher default rate, where in reality the CFDCs have a lower default rate than even the chartered banks. For most cases it is because, of course, they're naturally volunteer-driven at the local level. They can make intelligent decisions based on facts they have right in front of them on a consistent basis.
Would it not then make sense to saddle up your responsibility even more to the CFDCs than some of the chartered banks in a lot of these rural areas?