 Internet has really become commonplace in our daily lives. It affects the way in which we communicate, socialize, purchase goods, and really how we draw information from it. So recent studies have shown that Seraphicans would use the internet as the first point of call when making a search for anything, and in particular, a property. So they would access property websites, such as private property, to look for available homes in the comfort of their offices or their current homes. So as NetBank, we've monitored this trend, and over the last couple of years, we developed an online application channel and process that allowed customers to go online and make a full application to us in the comfort of their homes in a way that we brought banking into their homes. As a result of that, we've had numerous clients really have a good experience in applying for their home loans. We've really simplified the process, and we've really made sure that consumers cannot get a bond approval literally within hours from the comfort of their homes.