That's a very good question.
I want to finish one thing on the worker. We hope to be able to get a competitive labour agreement without touching wages, and I think that's doable. So that helps Windsor.
On the banker front--and I've actually done a lot of work on this--if you look at the historical bank involvement with auto loans, they are more pricey today by probably 200 to as much as 1,500 basis points because of the risk factors that are out there. But they're not outrageous historically.
The issue is that the vehicle companies had the capability of significantly subsidizing their consumers' financing through the lease portal. Now that is shut off because the subprime market and housing market have cut off asset-backed lending. The consumer goes from a lease portal into the bank portal, and that is three to six percentage points higher than the lease portal. So it costs them, literally, without any competitive factors, $150 to $200 a month for the identical vehicle to have a loan versus a lease. Yet higher loan rates bring it up into--who knows?--$200 to $250. But it's not any worse than it was historically.