The way we price--and I'm talking floating rates--is that we have a base rate that's prime plus two. This is where we work from in our computer model for risk. Whether or not the reductions in rates have been passed on, I can't comment. We all hear gossip, but I would prefer to check my facts before making a statement on that.
In our case, what we do is price for risk, loan by loan. So we're at a base rate, and then we either go above or marginally below, depending on the risk level of the business. So it doesn't affect us, in some ways.