in addition, we will continue to be applying our long-term deidre strikss, our long-term affordability covenants and our appliance with all the regulatory frameworks that we work within, including state, local, and federal regulations. with respect to the delegated authority, the request to have this for loans under $10 million primarily applies to two kinds of loans. one is a small-sized program and one is the down-payment assistance program. in our down-payment assistance loan program, we are talking -- let me go back a slide. our borrowers are conducting this work for anti-displacement reasons to keep people in their homes, they're out there on the market. the board process takes four to five extra weeks. so we would really be put at a disadvantage. okay. and we do have some great examples of where that process would have caused us to actually lose the properties. with respect to the down-payment assistance loans, we are under obligation to protect the privacy of our clients. and so to get a down-payment assistance loan you must provide your personal finance information. so it's ver