Once we have our discussions, we can share whatever thoughts we have. That wouldn't be a problem.
But on the others, I think it's very much what an individual bank does in assessing the role of the product, the role of the program when it looks at risk, what its own succession planning programs are, and how individual banks deal with those who are in the biofuels and biomaterials industry.
I don't know if any one member can answer all three questions, or if anyone can answer one of them...