We could go on for a long time with this, but I want to give Mr. Navarro a little time here.
It was interesting, because these are the things that I always puzzle over, and it's good to hear about some good work with venture capital and about a number of things that are happening. It always seems that there are others who are doing the work that the banks refuse to do, but the banks come in later on to clean up when there's a success story.
I'm not sure that's the best strategy. I don't know what's happening with your organizations in terms of risk and reward. I look at that through other institutions. It always seems that they're not interested until the risk is diminished, and then they come in and get the spoils, for the most part. They obviously do take some risk, but there certainly isn't the same reward. I'm just wondering if the reward element is there.