It is a solution. The CSCF hasn't worked for the floor-plan industry at all. I don't think it was ever included, and that's why it hasn't worked.
We've been talking with various lenders, such as asset-based lenders, banks, and what have you, about what it would take for them to get into our market. This is a possible solution to entice them now, when they see the risk as being higher than when they might normally come in down the road when they don't see the risk. They could possibly come in with some sort of government guarantee.
One prospective lender suggested a 10% guarantee for a portfolio of $200 million, so that would be a maximum guarantee of $20 million to get into this now, knowing that the loss ratio over the last 20 years has never reached or exceeded 80 basis points of an ANR.