Through feedback, we certainly have experienced that associations, and candidates in particular, have some challenges when it comes to dealing with financial institutions. Primarily they don't really know how to treat them and who they are. In terms of opening bank accounts and lending money, the practices of financial institutions are dictated in terms of what they need for collateral or guarantees to issue and grant those loans. I can't give you a direct answer.
By the nature of that banking relationship, I suspect there will potentially be some challenges to those who may not have the security, collateral, or the guarantors to support them. Again, there's no indication that this has been problematic on a regular basis. I suspect that—