Thank you, Ernie.
With our 63 members having about $940 million, we've had a pretty good [Technical difficulty—Editor]. The communities are able not only to manage projects well but to plan, maintain and look after them. Part of what we're looking at is not free handouts but putting infrastructure in place that will be maintained for the useful life of the asset.
If you take a look at our loans since 2012, you can see that there are no loan defaults and no late payments. They're properly managed and there are no overruns on costs. You don't always hear the good stories, but there are many communities out there that are ready to start putting shovels in the ground now.