There are usually four things that I think I learned on my first day with the bank 15 years ago. We always look at the management, the earnings, security, and investment.
We look at the management, whether it's a female or male applicant, in terms of what their expertise is, where they come from, what they are bringing to the table. We look at the past earnings of the business, or the potential earnings if it's a start-up. We look at whether or not there's tangible security. What do we have there? We look at their investments, what they are bringing to the table. We look at those four things all of the time.