 Well, I'm always surprised at how many people are afraid of that first step because there's so much that they don't know about the process. So they put it off and they probably would qualify if they just took the time to call you and have a conversation with you. And if they don't qualify, you can tell them what to do so that they'll be in a position to qualify for that loan. I mean, it's a really simple 15, 20-minute phone call.