 really depend upon how many of those loans get repaid and get repaid on time. Right now, the way it works is about 95% of all mortgage loans that are made, you may think that you're getting a mortgage loan from Wells Fargo Bank or Waterstone Bank or the local lender at Berkshire Hathaway. Not the way it works, folks. As soon as that loan gets settled, that lender, that broker actually, resells it to Fannie Mae or Freddie Mac, most likely Fannie Mae or Freddie. And right now, their standards are not all that liberal.