That's possibly the case; however, it requires a lot more administration for the financial institution to use this program than to use their conventional resorts. In addition, we charge a 2% registration fee up front based on the value of a loan. If you get a $1-million real property loan, there's a 2% registration fee sent in automatically, and on an annual basis there's a 1.25% administration fee that we charge the financial institution, which lowers their profitability.
It's thus only appealing in situations in which it's riskier for them, because it's more administratively burdensome, it takes longer for them to run a loan under our program than through conventional purposes, and it's a lot less profitable for them.