Hi Randy, but we know we are immediately disbursing the refinance funds since that has to be paid at closing to secure our lien position, same as for purchase transactions. Also, for debt consolidation, those funds are disbursed at closing. So I don't see how we can assume 50% of the loan amount when for example, $400,000 loan amount with $300,000 for refinancing, and $100,000 is for construction. Our vendor is still calculating based off of 1/2 of the loan amount, so assuming $200,000.