Banks have a hard time lending money to people who don't have any equity. They don't own their own home; they don't have any physical assets.There are hard messages out there and there are some positive things that can happen. If building a wharf is going to do it, if it's going to allow some economic development.... I'd just be curious about what kinds of assurances...because there have been lots of grand plans, and some of these things do get funding and some of these things don't turn out to be quite as grand as what was originally envisioned.
I'd like to give Kevin an opportunity to respond.