Why hasn't it?
It hasn't worked because--
Start again by saying, the Business Assistance Center hasn't worked.
The Business Assistance, ah, Center has not worked as well as it could. And the reason is, in my opinion, that the funds were put there for the reason to make access to finance easier. And I'm not suggesting that they should give the money away but when the Business Assistance Center finds itself with the same kind of stringent requirements that you have at Southeast Bank, then the person might as well go to Southeast. And I'm not suggesting a give-away. But if you've got a man who has a mom and pop grocery store and you're going to require him to pledge his house, his home, require him to have very sophisticated financial statements, it's not going to work. One of the interesting things about finance in this community, there is a Cuban banker, a very respected one, the elder statesman of bankers in this community who is Cuban, who said, "You know I run a bank but I run it on a handshake and how a man looks me in the eye." Say, "I lose a few but most of it I get back." And I'm just saying that the Business Assistance Center needs to rethink its role and rethink its procedure. Obviously it is changing now with new direction and hopefully it's going to work.