But the real answer is that what we're learning from the credit unions and the caisse populaires, the cooperative banking sector, is that there still is that on-the-ground relationship. I happen to know the manager of my credit union, and whether I see him at the baseball diamond when the kids are playing or at the chamber of commerce, there's more of a relationship than “Hey, that loan I need...”. There's that day-to-day relationship, and that's an integral part, we're saying.
Alterna has grown into a fairly large organization, of those relationships. Do you work at all with other credit unions of smaller size to help them succeed, to help them with best practices that you found as you grew?