15:54
And again, we did go to different locations where in some cases where if it was an affordable housing complex that had a large number of Latino residents, we had someone from the actual complex, translate our presentations into Spanish.
3:25:00
Mayer financing for affordable housing, but it's certainly unusual that the majority of the loan is not fully amortized, so at the end of 25 or 30 years, there's no balloon payment.