Well, the individual energy service companies bring the various financial institutions to the table as part of their offering. I have to tell you, there's not an overabundance of this business out there. I'm talking about the performance contracting business with the federal government. It has really tapered off in the last number of years. So there aren't a huge number of banks going after this business.
Is it competitively bid? Yes. But if you count two or three competitors as competitively bid, we could probably have a discussion.