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Well, we are kind of unique because the programs that we offer are basically government programs,
government guarantees to loans. For example, the government provides a guarantee of anywhere
from 50 percent to 80 percent on a loan.
That guarantee is to the bank, it's not to the borrower. In the event the loan would
default, the bank is paid. But aside from thatóthat's something we don't really want
to think about up frontóbut it certainly gives the customer the sense of relief that
in the event something does happen, that they themselves may not have to be entirely on
the hook for the loan.