Yes, if you could, and can you answer this question as well? Because certainly there's a view--and I'm of this view--that although interest rates have gone down, Canada prime has gone down extensively. In borrowing from banks, Canadians and businesses are not getting the benefit of that reduction, because banks have increased their spread between Canada prime and bank prime.
Here's what I need to know. Could you, in your response to us, compare it to back a year ago or so? The banks seem to be doing very well in this recession. In fact, the government has given them guarantees, and we don't argue against that, but they are in fact, as interest rates come down, ensuring their profitability through service charges and through increasing the spread. And they are not all that anxious to make credit available to some sectors. They certainly seem to be doing quite well on the balance sheet. So any of that information you can provide would be helpful as well.
Also, is there any comparison with Farm Credit? I guess you're not connected with Farm Credit, but we are hearing some complaints that Farm Credit interest rates are too high as well.