Bear with me for one second. I think you're focusing exclusively on consumer lending with the banks and I think that is the lesser of the two bank problems in our industry. The banks will not touch a car dealer.
The ordinary Joe Blow car dealers--I know of half a dozen members of Parliament who come from the car dealer body--have $7 million of debt in their own name in their community from one end of Canada to the other, and that debt is being cut off by the banks. No bank today will touch a car dealer, and if you don't support the car dealer with floor plan capital financing lines of credit, you don't sell cars, you don't make cars. That's where you should be trying to influence the banks--to go out and support the car dealers.