Thank you, Mr. Chairman. Working with BCC and our regional staff, we are trying to provide a service to businesses that are out there. It's not unusual for our staff to approach the BCC officials to give readings on applications and to get some direction on areas how they could improve upon an application. So our regional staff is working very closely with the BCC staff and the boards. Also very recently to improve the level of service and to improve on the time and decision-making, we've established credit committees so that the BCC board only requires a smaller amount of members to have a quorum, rather than pulling the full board together. So the service and response has increased significantly in the last year or so. Thank you.