You're right that a lot of this is concentrated in the SBA. The banks are the intermediary for our loan programs. So the SBA will guarantee a certain threshold of the loan and participate in the processing and approval process there, but the banks, the private banking system, actually issue the loans.
I can get more detail on that. It's not my particular area of expertise. That's one area where we work hand in hand with the private sector to achieve our goals. In many of the areas we talk about, the education components, the people—we have a field staff of just about 1,000 people and the structure stretches throughout the country. All those are done directly through the SBA.