The majority of them are. It actually got to where we believed that the board and the trust were being too risk averse, so we increased our risk. I think this year we will have our first default, where a business did not meet its obligations. We'll so-called “lose” dollars, but we believe that we're not a bank, that we're here to grow the economy and prosper. You have to take some risks.
As long as we fit under some type of threshold in terms of how much we can afford to lose, that becomes acceptable, because we believe that if we never fail, we're not capturing all the opportunity.