Mark Pryor actually said...

So as we do research in the United States, we are sharing that with the world and others are benefiting from that research, as well?

Well, we will have to work through the cost, maybe in another setting, but thank you for that answer.

We are trying to do it in a way that does not harm the public and that would be considered a smart way to trim our spending.

When I look at your SBA loan data, a few minutes ago you said that you have a very low default rate on SBA loans, which is great.