You also talked about how when there is a bit of a downturn in the general economy, quite often folks will move to you as a lender because their traditional lender, if they've been using a traditional bank for a long period of time, might now be saying no. I agree with your comment that you're not the lender of last resort. Folks just ask, “Oh, where else can I go?” Then they finally find you.
Do you have any sense of how many of them you keep after that? Do you keep that client longer term after they have seen how much they like your service or appreciate what you've done for them, and now want to become a longer-term client?