 Compared to other export credit agencies and international financial institutions, the U.S. XM bank tends to move slower when approving deals. The XM approval process can take over six months and in some cases over a year. However, other countries like China are approving deals more quickly, which allows them to undercut Western export credit agencies. I understand the importance of taking the time to vet deals. I'm in the financing business myself. But I am concerned that the U.S. will be overlooked if our approval process