I'll see what I can do.
If we're speaking about lending to business--let's start there--businesses can get credit from banks, from non-bank lenders, and directly from financial markets. We've seen a sharp reduction in credit available to businesses directly from financial markets, of which the securitization channel is the most dramatic.
Lending to businesses by banks is still increasing, measured on a year-over-year basis. Total business credit is still rising, but still more slowly. It's not as if the banks, even though they have increased lending, have stepped in and completely offset declines in other areas.
At the same time as the volume of credit extended by banks continues to rise, the terms and conditions under which it is being extended, especially at renewal, are definitely becoming tighter. You see this in the senior loan officer survey conducted by the Bank of Canada, where every quarter the majority--a large majority--of the banks' senior loan officers say they're tightening credit conditions, even relative to the previous quarter. We know this to be happening, and of course the people who are on the receiving end of it, whether they be households or businesses, are not happy about it. So it is certainly possible that--and indeed it's what's happening--the volume of credit is continuing to grow, but the terms and conditions are tightening at the same time.