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. >> so we're gibing to be able to deploy the folks to be able to do the work. that's great. the next question i have is in regards to 2008. why are we not i were leapting this, especially in a time like this. >> i think that's the idea. >> a program worth having. i guess that's the first question. >> the financial institutions are having a problem adopting it. they say that it's hard for them to process a $10,000 loan. that, if not repaid, by our disaster program that we do, then they have to advertise it at a very low interest rate. i'm asking to put them on the record for formal comment as to what we need to do to make them work. >> it doesn't work. he's got two choices. fix it or get rid of it. >> that's the point. that's what we're working with to get the answers. but meanwhile, sir, i think this is important. what we put in is an uncollateralized, $25,00 loan and we're processing them now in seven days. so in the spirit of what we're trying to accomplish here -- >> are you authorized to make direct loans? >> that is what they do. we make direct loans for people who are