It's a very good question. Clearly you are very focused on the whole issue of making sure consumers have access to competitive loans and that they don't get gouged. We are certainly huge proponents of that and we subscribe to it.
I would start by saying that no one can guarantee anything these days, so I certainly wouldn't want to be the one to make such a bold statement. However, I can say that the passage of the $12 billion Canadian secured credit facility would inject liquidity into the hands of the captive finance companies, such as GMAC and Toyota Credit, and they in the past have been the ones to make sure that consumers have access to more-than-competitive loans. We've seen the zero percent and the 1.9% financings. Why have they disappeared from the marketplace? Why has leasing disappeared from the marketplace? It's because they can't access capital to put those financing instruments out there.
I suggest to you, sir, that if these companies can become liquid again, you are going to see a very competitive environment, because right now there isn't one manufacturer who isn't looking for a way to outsell the other manufacturers. The consumer would be the one to benefit from that. As we mentioned earlier, vehicle prices are at their lowest in 25 years. Combine that factor with aggressive marketing plans and finance companies that are flush with cash or, certainly, that have access to capital, and I think there is a recipe that will benefit the consumer.