 It does allow veterans and service members to bounce back faster in the wake of one of those negative credit outcomes. So conventional loans and FHA loans, the guidelines look a bit different and they're a little more stringent. And with VA loans, with a Chapter 13 bankruptcy, for example, you can be in position to close on a home just a year from the bankruptcy being filed. Things look a lot different in other parts of the mortgage industry, and it really just comes back to the idea of