The types of deals that need business plans are SBA deals typically for acquisitions when you're buying a business from someone, or if you're doing an expansion where maybe you're doing something a little bit different going forward than what you've been doing before. Or maybe if the previous few years have not been as successful as you're planning to be in the next few years. And then also for startups—these are all instances where you'll need a business plan with projections for your SBA deal.