 Is it a question of refinancing or restructuring? And can they possibly hire enough people? I mean, the way it's been described, who would want to work for that? I mean, you're just fighting the system, even when you work within it. Senator Ortiz y Pino has actually made this pretty significant deal, is that he thinks it's a public perception problem. First of all, let me say this. Poverty is not our problem. New Mexico is not a poor state. The LFC just came out in December with a multitude of reports on foreclosures.