It's very difficult when we talk about banks and credit unions for our smaller communities. Most of our folks are on Internet banking, and at the same time we see some difficulties in our small communities where employed people want to set up a mortgage to build their own homes and that's very difficult.
Maybe that's something it would serve me to look into and figure out ways to make it easier for members of our smaller communities to access services like that, because I know for a fact that it's very difficult for some of these younger folks to actually get bank loans and set up mortgages.