 because of the regulations, are almost certainly going to increase the loan-to-value requirements of any loan. So they may have been at a point where they were allowing people 60% loan-to-value, which means all they have to do is come up with 40%. Now the loan-to-value requirements may be 80%, so they have to have 20%. But if you've got 20% of equity in a building that has shrunk a lot and your outstanding loan balance is greater than that, you've got a real problem.