 to say how we need to get money out quickly. We are post-World War II. We need to be able to provide loans, and this is coming out of that period, that are not balloon loans. What do you need? And so the risk assessment was, well, we're going to turn to the banks to see how to make things happen, and then the banks turned to the real estate agencies to say, how do we make this happen quickly? And what happened is that we left large swaths of our population behind, and we didn't recognize what they needed.