As I mentioned in my remarks, just the IT infrastructure piece of this is very concerning for the lending community. As we sit here in mid-May, we don't have the fine details needed to even start the work on the IT infrastructure and to get the program off the floor in September. We generally need a 10- to 12-month road map or runway to get those programs up and running.
On May 16th, 2019. See this statement in context.