I'll add to that.
Why don't they have access to capital? I think we go back to what Annette talked about, too, in terms of that network. The fact of the matter is that when you look at financial services and at venture capital, still the majority of the decision-makers are male. One of the things we've found is that when there is actually a woman involved in the decision-making process at the venture capital firm or the financial institution, the allocation of funds towards women businesses actually changes.
Until we have more women in those decision-making roles.... Certainly, one of our calls was to get more women into venture capital firms, and a lot of them are now trying to bring women into the decision-making process, but that's an issue.