Hi. We're planning to put up another diagnostic center in a city nearby. This time, we want to make it more spacious to add more facilities and hire additional staff. We prefer a commercial area so we can be more exposed to people. However, we know very well that we will be needing more capital for this. We still have an existing bank loan and to be honest, the interest is quite high. We're thinking about a credit union firm coz we heard that this type of financial institution is more flexible in terms of payment and interest rates. Just wanted to know if anybody here have an existing loan with a credit union. What's your experience?