Thank you, and I want to thank our witnesses for being here today.
First of all, I have a couple of questions for NACCA.
The AFI network has proven to be successful—we've seen a lot of evidence of that in developmental lending—but while some AFIs are high performers, there are some that are weaker. I think you would acknowledge that. Do you have a plan in place as to how you're going to support the weaker-performing AFIs?