 Again, there's still a lot of them out there, even after 2008 happened. There's still plenty of loans out there for first-time homebuyers and others that require a very small percent down. And so the lenders know that if the buyer or owner of the house or soon-to-be owner of the house can barely make the down payment, but if something major goes wrong with it, they're going to immediately have a financial hiccup. They don't want to lend on a situation like that, understandably.