Possibly. I know for sure that I would love to have access to this market. I would be happy to offer a much more fair price than the existing players are paying. In a ZIRP world, who wouldn't love 12%? Or even 8%? We're all banks, whether we like it or not. It might not be worth it for Citigroup, but a $100m market is definitely worth it for you and me. Just look at LendingClub and Prosper.