 SBA requires at least 10%. Most banks are going to require at least 20%. Some might require even more depending on the type of business you're going into. So if it's a higher risk industry like a restaurant, they might require 30% or who knows. So that would be one thing I would want people to keep in mind is you've got to remember that you've got to have some skin in the game. There are ways to do that, obviously, if you don't have money saved. But the other thing I would say is