. Julia: Why don't they want give people a second chance, basically? Daniel: Well, it's a good question, because what they say is, or what I say is there a statistics point to this as well, is that the future is but a reflection of the past. So if you haven't been a good performer in the past, generally, or more than generally, probably 90% of the time, you're not going to be a good performer in the future. Julia: Yes. Daniel: And the banks, when they lend, they're usually taking property as security. And if they're taking property as security for a facility that's probably going to end up in default and the client is going to go out of business eventually, they've got to try and get that money back. If you're trying to sell property to collect out, it's a 12-month process, most of the time, and then at the end of the day you don't know what that property is going to sell for. So the asset you're lending on is not very close to cash. Julia: Okay. All right. So we don't rule out someone if they've had credit issues. Why is that? Daniel: With our type of finance, which is cash flow based finance, we really look at the transactions that we're financing, and they're usually short-term transactions. If you're factoring off financing and invoice, that's usually a 45 day, on average, call it a 45-day debt. So the money is going to be