I'll get into that a little when I do my presentation.
One of the things we do for our home loan benefit, regardless of whether or not you hold a mortgage with VA, is we provide servicing with a letter to do everything possible to avoid foreclosure. Again, that's for our prevention of homelessness. So you can stay in that house without losing that loan; it's a huge benefit. Whether you have the mortgage with VA or not, we'll work on your behalf to readjust that payment or whatever for you.