Home loan clients. I mentioned the credit history of the bank. Our average size loan is about $1 million, 60% LTV, strong liquidity, medium net worth about $3 million, average net worth, $60 million. We have some very rich clients who still borrow and we have credit scores up in the 760s. That's the representation of everything we originate, whether we keep it or sell it. If we sell it, we keep servicing.

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