Our policies are very similar to the policies of the banks in terms of when and under what circumstances we would intervene on a loan. It's how we apply the policy that's different.
You know, our last wish is to actually foreclose or to call a loan. We'll do most everything we can, including with residential mortgages, before we'll do that. I had a lady on the phone last night; this is about the tenth time we've tried to intervene on her behalf, and we just can't do it. But in lots of other cases we're actually able to find ways to either defer payments or capitalize interest—not always, but in most cases. Our delinquency rates are very, very low, mostly because we work with our members.