I just want to make a comment as well.
From the straight getting of a loan, the process is somewhat the same when the institution looks at the financials. One of the differences comes down to the fact that they're actually collective entrepreneurships, but bankers and credit union managers as well—indeed, this happens in the credit union system as well—are used to dealing with one individual who will put a personal guarantee and sign off their house to take that risk. They are not used to dealing with a collective group of 5 or 10 people, with a start-up.
The other thing is this. I've seen some situations in which a bank will accept everybody basically taking a portion of their [Inaudible--Editor]. Generally, they want everybody to sign for everything. Now you're in a collective situation in which you now have 5 or 10 houses on the line—