I think you want to focus on both, because the banks are certainly very much at the core of the system, and even if they aren't the core of the problem, they could be a bigger part of the solution. That's why they're working more closely with EDC and BDC, and that's why we have given them access to funding to ensure that they have the access they need so they can make loans.
Having said that, a lot of them are serious. The most dramatic problems are outside the Canadian banks. You've seen foreign banks pull back. Some foreign banks have closed; they've pulled out. Securitization markets are scaling back. That's bringing a lot of people who were dealing with non-banks, foreign banks, or in securitized markets into the banks.
The other thing to keep in mind is that it's not just the amount of credit; it's the cost. There's no question the cost has gone up. The conditions, the covenants on firms, have tightened dramatically, and a lot of what you're hearing reflects that.