Banks typically help companies underwrite debt that eventually gets to different asset owners. Some asset owners, like pension plans, buy more equity. Insurance companies buy more debt. They will often help facilitate the underwriting of debt to go out to other companies. They will help underwrite loans to get loans and provide those loans. They are required to keep capital against those loans.
That's where I turn to Andy as a bank director. He can talk to banks. I can talk to the pension world.