I'll add to that from the car dealers' perspective.
We employ 140,000 employees across the country and we have not experienced job losses yet. Speaking to your earlier analysis, last year we were tracking for one of the best years in automotive history, and right up until November it looked as if we could have had the best ever; then things fell off a cliff. November is when the signal really started to hit that the liquidity crisis was going to grind things to an absolute halt, and that's what we've seen. Dealers are proactively shifting resources around to their used car operations and their service operations, so we haven't had to go through those employment cuts. I think you're going to see dealers try to be as imaginative as they can be in those areas.
One of the tragic things you have to consider is how all of these things relate among the manufacturers, the parts makers, and the dealers. We had a dealer—I won't name him—in the Toronto area who had an order for over 100 vehicles. A customer was coming to him in December asking to do a lease transaction with them, as a fleet lease. They were unable to get financing from their bank to order those vehicles and get them into the hands of consumers, because the banks wouldn't provide the lease financing.
Those are 100 vehicles that the dealer couldn't bring into the showroom to put out on fleet leasing. They couldn't be ordered from the factories, which couldn't order the parts to make it happen. As you get this credit crisis happening, the spin-off effects in terms of job losses is really where things are going to hurt. There is not a day that goes by when we don't get dealers calling begging for credit because the situation is so dire. Even when they're successful operations, they cannot sustain the kind of liquidity demands that are out there.