It just strikes me that if we're really trying to help these small businesses—I'm really looking forward to seeing the data—that's a huge issue for me. Along with what Mr. Julian brought up, you're picking up 80% of the risk. You're riding on whatever premium they've associated with it, but you're willing to take four times more risk.
To me, there's a bit of a disconnect here with the funding model versus the banks adjudicating it. I think the data will be critical to see if we're actually helping these businesses that need the help.