 And you go to the lender, you develop the relationship, you get capital, and then the next time you go back for more capital, it's someone new. And you've got to restart the relationship with them so they never get a chance to know you, your vision, anything like that. First Liberty is different. They've been making their own lending decisions since the 90s, and it's the same family. It's the Frost family. They've been there the whole time. So if you're a business and you're building a building or buying a building, you need an equipment loan, you're buying a franchise, you've got a vision, you see opportunity.