Mm-hmm.

Didn't actually initiate it until about nine or 10 years later after getting out of graduate school to gain more financial experience on the banking side, which comes in very handy when you're sitting across the table from bankers on behalf of clients or with clients.

We've started in 1999.

Our first clients were all dairies.

It's still primarily dairies that are our clients.

We branched out into some areas like trees, almond trees, wine grapes.

We've got some clients in the wine grape industry, which is a tough, tough industry to be in right now.

Yeah.