Part of our loan guarantee program is the loan servicing program, and part of that is foreclosure avoidance. We have a very good foreclosure avoidance rate. So very few of our veterans foreclose—I'm sorry, I don't have the exact percentage for you—or fewer veterans have loan foreclosures than the general population in the United States.
We do a very good job of working with lenders, working with our veterans who have home loans, in developing ways and getting lower interest rates and working out payment plans, so they can stay in their home and can continue to make their payments and are not foreclosed on.
In addition, if the lender is getting ready to foreclose, VA has the ability to take over that mortgage and administer it themselves, which is another avoidance mechanism for the veterans, so they can stay in their home.