 But then they also take the completely counter position that they won't mediate or adjudicate a dispute between a borrower and a system lender. So you've got no ability to get recourse. That second part of it to where they're not going to mediate or adjudicate a dispute between a lender and a borrower is an interpretation. So for the last 40 years, that interpretation, a court would have to give it deference and say, well, you guys are the experts on it.