 Now, if you set up a bank line of credit, it's a specialized area of lending. And only a handful of banks in the United States offer this type of lending. And I'm familiar with most all of them that do this. And I can recommend some of the banks that offer the best rates at any given time. By the way, there's no cost or fees. There's no loan fees. There's only interest charge when you access the funds. So if we have a different bank, for example, that offers a lower rate, we can switch the banks