Mr. Chairman, as you can imagine, it's not just consumers who borrow from the marketplace. Certainly, our financial arms do as well. For us to be offering 0% financing on vehicles like our Toyota Corolla and Matrix, it means we're subventing the rates that are available to us. In a tightening credit marketplace, those rates are climbing all the time. It's sort of the hidden cost of the auto industry.
But the reality of it, and for me the most important thing, is that we're a consumer-facing industry. If we can't find a way to put customers behind the wheel of a new vehicle, then we really don't have a business model at all. So we are going to the markets to find the credit that powers our ability to turn those incentives over to consumers.
As I said, whether you're Toyota or someone else, the credit market generally is tightening. As that happens, the costs of doing business in Canada are rising quite rapidly and restricting the ability of the market as a whole to stimulate consumer demand.