text:  You know, Constancio, it's always great to have you on, and I think you might become a regular on this show. No. I don't know if that's a good thing or a bad thing. You know, whatever you feel, whatever you feel. Right, right, right. Now, I know you've been at OER for a little bit, and I think I had you on before talking about some of the business loan or some of the business programs that you guys have been rolling out. Mm-hmm.