—if you don't have a dollar to put into capital, then you can't lever that capital into asset growth. That's why I say it's really a tax on growth. It's a matter of arithmetic: if you can't lever that capital, then you don't have that capacity to grow.
In that small community, we are active in financing the smaller end of the small business category. We're really the only ones in that category. In that local community, the credit union is an employer; it's employing people from the local community. In some cases, perhaps, it's the major employer, at least within the town.