My next question is for Madam Levine.
First of all, thank you for sharing your inspiring story and for sharing it with other promising youth for whom you're working. On reserve, in most instances, people do not have collateral that they can take to the bank because there isn't private ownership of homes. Someone can't go to the bank and say, “Can I get a small business loan? I'll use my house to guarantee it.” Is that an accurate statement?