 We remember that interest rates were really low. The prime rate, by the way, was about 3%. Most of our folks were borrowing money at around 3% range. And the dividends at that point were around 5% to 6%. So here's what was going on. Most people were making 5% to 6% on their money in dividends and borrowing at about 3%, which means they had 2% to 3% positive arbitrage on their funds when they accessed and used them.