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That they often use for investing on their own plant equipment and that kind of stuff and so they need their house to be able to be able to tap into that equity, et cetera, and that really is hurting their ability to get access to credit. i know that i'm working with a franchise association right thousand and one of the biggest challenges among franchises are credit and their ability to be able to grow their business and housing is a large part of that. >> we have just been saying problems with credit for so many years now that i look forward to the day, actually, we don't have that conversati...

Own -- own equipment and that kind of stuff. so they need -- they need their house to be able to be tap into that equity, et cetera, that's hurting their ability to get access to credit. i know that -- i'm working with a franchise association right now and one of the biggest challenges among franchisees is credit and ability to grow their business house sing a large part of that. >> we have just been saying problems with credit for so many years now that i look forward to the day when we don't have that conversation. i want to stay with you for one more second, chad about this idea of the prob...