I think Carol can address the payment piece; I just want to talk about the Helmets to Hardhats program.
Certainly that's a fantastic program. We are aware that it's still getting up to speed and getting organized. As we learn more about the program, perhaps we can have some conversations about the type of portal that's being discussed. It could be something that we could look at, perhaps, having jobs put on our bank that reflect the portal. There are a number of technical solutions that probably can do that.
I think it's really important, though, that the program get lots of publicity, because it will really benefit a lot of the veterans we're working with.
Do you want to add the other piece?