Well, we have an underwriting practice just like everyone else, but we don't make loans in the federal government. What we do in SBA—and that's a very good question—is we partner with over 7,500 U.S. banks. We will give them a guarantee if they make a loan to the small business community. We will only give them that guarantee if that small business is lacking something: for example, they are lacking the necessary collateral that the conventional bank would use to make that loan, or they're lacking the managerial experience to make that loan.
If there's something in that bank's underwriting requirement and they feel they would not necessarily have made that loan on a commercial level, then the United States SBA will come in and say, “Well, wait a minute.” We're looking at this small business. We're looking at this business plan. We believe this person can do this despite the fact of lack of collateral, or despite the level of experience you're requiring. Maybe your loan is going to have a payout over five years that is too burdensome on there. We'll give you the guarantee if you increase that loan to a seven-to-10 year payout. We do that, but we don't make direct loans.