Very good, because it does require a bit of a crystal ball sometimes.
What about the other side? The collateral we just talked about is an example. Obviously the credit history of the person is an important factor in whether you will make a loan. If the person who comes to you is somebody who doesn't have a credit history, a very young person, somebody who has not really had the occasion to borrow very much previously, but they are perhaps even a very public candidate in a particular election, you're going to look at credit history, and in some cases you're going to say, “Well, we don't have sufficient credit history on which to make a decision and therefore we will turn down the loan.” Are you ready for that part of it? That could be very political as well.