Laurel Douglas, this is Karen Vecchio. I want to just switch over to you.
In your comments, you mentioned that women have lower approval ratings when it comes to getting credit for their small businesses. I'm looking at that, and some of the issues that may be because of their credit ratings.
Are you looking at the fact that maybe they have not established credit? Are there different rules, or is it that they have not prepared themselves to apply for credit? I want to see if this is something that's an issue between men versus women, or if they're not established yet in order to have a credit rating.