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And we do think there is a path towards getting some movement on an extension or refi of that facility.
Can you talk about the factors we should consider -- considering in terms of how to refi those or pay them down, assuming that they are in fact put?
If you look at our numbers for Q1 back out the refi channel and look at credit unions only, we're actually up 13% quarter-on-quarter from the same time last year for our core credit union customer base.