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Programming, some rather significant programming. on the aggravating factors, and the only thing that fits under our aggravating characteristics in terms of risk in your situation is that at the time of this offense your victims indicated that they were in fear for their safety, having been threatened with a gun during a commission of a crime. so those are the risk, aggravating, mitigating things we are considering. that's your overall risk score. right now i'm going to stop talking for a while and ask the members of the panel if they might have any questions of you. >> mr. sichson, you've liv...

When we combine your risk score along with your offense severity, our guideline recommendations are that we consider factors. now, what consider factors means is we consider everything in terms of whether or not you're a risk to reoffend and return to our criminal justice system. and so what we do at this point when we're looking at the risk score, we also look at what are called aggravating and mitigating factors. now, aggravating and mitigating factors don't include everything in the world. they're very specific as to what we consider under those items also. so under the aggravating and miti...

You have to put your own money in before you take it out. you can certainly open an account to get a loan. >> and what do you need to put in there to get a loan? >> typically just the basic share that's $5 to open an account. >> so basically nothing. so i give you $5 and how do you decide whether to give a company a loan or not. they're saying we are not getting good applicants, that's why we're not getting loans. how do you go through the evaluation process of deciding whether this person or company is worthy of a loan? >> we go through some of the same processes of banks. however, we tend to...