That was the premise of my question. I haven't heard an answer as to why. So I might understand that, and I might understand why the securitization piece is diminishing, but I think part of our job is to be able to tell Mr. Smith out there, who's going to get a loan and either can't get it because the conditions are tighter, or could, but the cost of it is significantly higher, why that's happening. Why is it tougher for him to get a loan, and why is it more expensive?
On March 3rd, 2009. See this statement in context.