I think it's a question of degree. Our survey differentiated between availability of financing, ranging from very available to available to somewhat available to not at all available, and you had it across the board. In the summary we basically boiled it down to what I refer to as an availability score, and you can see that it dropped.
Our broader survey actually shows that there is a span across and there is availability. For the small businesses, it depends on what they're financing. It depends on the creditworthiness, because banks are businesses. Certain things, such as long-term financing, have tightened more than working capital financing. In particular, the biggest concern relates to the funding of the start-up capital and the follow-on financing for the knowledge economy, something that I think will really drive the creation of jobs and innovation.