Potentially yes. Certainly we've been focusing more on women. We haven't really been assessing the male level of financial literacy because we recognize this is a focus area for women, so let's do that with women. That answers your first question.
In terms of access to capital and lending more to women versus men, what we're trying to focus on, quite honestly, is the fact that we're lower than where the market is in terms of our concentration of majority-owned businesses. I want to focus on majority-owned women businesses. We're trying to really move the needle on that. In terms of our lending last year, we did have increased growth organizationally. However, if we grew our lending by 22% last year, but we targeted and grew majority-owned women businesses by 27%, we have done more lending in that space.