I wouldn't suggest that we fit within a hierarchy. Basically, most of what we do at Concentra is to act as an intermediary or a wholesale provider. So we are the intermediary between the credit union and the credit union's members. So if a credit union member comes forward and needs, say, a large commercial loan exceeding the capacity of that credit union or its regulatory capacity, then they can come to Concentra and we can help fund that through a participation or a syndication.
On July 27th, 2012. See this statement in context.