A lot of them have found that they're having problems. As small community-based banking, they have found it more challenging probably than the large banks. Their profit margins have been severely cut.
When we approached, say, Progressive—I'll use that as an example—they said no right up front. Some of the larger banks, interestingly enough, gave us a hearing, sometimes a polite hearing, but nonetheless a hearing. Some actually came into the community, looked, and said there's a business case. Year one and year two worked, but they could not justify years three, four, and five.
That's a quick answer.