That's very good. Thank you very much.
Ms. Douglas, can you comment maybe a little further. In terms of the women that you said, on average, take about $60,000 in loans, while men take, on average, about $300,000. Can you tell me why you think that is? You commented a bit about having a credit rating and being able to access that amount. I'm wondering, as well, whether men and women are equally as likely to ask for the same amount or to seek the same risk level.