 It functions like a credit card, but it has some advantages over using a traditional credit card when it comes to business expenses. So an operating loan is a short-term loan. Usually the term of that loan is less than one year. And what we're using is to cover our cash flow. So we know as farmers and ranchers, there are times of the year that we just frankly don't have enough money to maybe buy seed or fertilizer or feed. So we can get an operating note from our lender.