It's generally a combination. We have a broker that we work through. A little bit of the money is borrowed through them, but the majority of it is through the credit union. To be honest with you, we put that money out in a four- to five-month period and it takes us 12 months to pay it back. At any given time, as I said, we borrow a high of probably $11 million, and that gradually gets down by next May to $1 million or $2 million, and then we start over again.
