I think another problem that the banks have is having knowledgeable bankers. That's not to criticize them or anything, but often, with us, we'll start the year with one account manager, and by the end of the year we've switched to someone else.
What these guys are saying is true: we seem to pay a premium for mortgage money and we are asked for more security all the time.
It was the same for us this year, Greg. They wanted another half a percent or something, and we just said, “No. We're not that bad a risk. Do you want us or not?”
We had an exit plan in place before we did that, of course.