How to Determine the Appropriate Rate for a Loan

The rate is a function of how the transaction profile scores through our scoring model. It's very difficult, if not impossible, to automate this type of lending because it's so people-based. The repayment structure will be as much about the underlying business and the underlying credit quality as it will be about the transaction structure. And Sean, do you mind just touching on the different duration and amortization schedules that you offer with the loans? I'd be interested to learn what different options are available.