The nature of our work is we take on risks that other lenders of capital don't, so we do have some business failure. About 4% to 5% of our annual portfolio goes into default, so relatively speaking, that's a manageable amount of risk.
Our programming parameters and the expertise of our account managers make for very diligent monitoring of projects not just after they have been completed but until the loan repayment has been fully made, and we have a team of folks dedicated to doing just that.