There haven't really been changes in, let's say, construction financing from financial institutions, other than it's getting more difficult. It's been getting harder and harder to get construction financing with the volatile markets and increased risks. We find it's been more difficult. It is one of the things we're asking for.
We believe there's actually a role for the federal government to support construction financing, and that's doubly true. We were speaking earlier about factory-built and, in particular, modular construction. It's very difficult to get financing from banks for 3-D modular homes because they're not on site, and the banks perceive that as more risk. We are looking for more financing to support construction.