We were able in the Recovery Act to get a program where we increased our loan guarantees to 90 percent. Because we had that program, a bank wouldn't have to take that much risk.
The 2009 stimulus law got the ball rolling, allowing the agency to reduce and eliminate fees and raise loan guarantees to 90 percent of the total. I knew that we had the opportunity to use S.B.A. products to fill that gap in a rapid manner, as we ended up doing in the Recovery Act.