Thank you, Mr. Erasmus. Mr. Handley.
Mr. HANDLEY: Thank you, Mr. Chairman. Mr. Chairman, each of the boards has an allocation of money. They loan that out in loans up to $75,000. They charge an interest, generally it is prime plus two percent, and assuming that their loans are good loans which most of them are, they then reinvest the money as it comes back to them. They operate very similar to a bank.