We don't have a loan-loss reserve ratio. Everything is on our balance sheet.
One of the ways that has been done in the past--not frequently, but it has been done in the past--is for the government to provide us with a loan-loss reserve in some cases for specific programs where it is understood that a particular project will not make money and, accordingly, the bank needs to be reimbursed. It has happened very infrequently in the past, but it has. And maybe that's something one should look at. But we don't make public policy, we're just the instrument.