The subordinate financing--just to explain exactly what it is--is a type of lending whereby the business owner should really be putting equity in the business, but instead of that, he's getting a loan. The risk of the loan is really an equity risk because you're so far down behind all the banks and so on that it is equity.
That has been doing very well. We do in excess of $100 million of that type of lending per year. It's been profitable every year, but it needs a very special team to do this type of lending because you're really buying into the business plan and the management capabilities, not on the balance sheet.
Thank you.