Thank you.
Ms. Dickson, we seem to have a bit of a circle that's not squared here. I'll relate this to the auto industry, the banking sector, and financing.
We have the bank rates, our base rates, going down, yet the dealer lines are increasing. At the same time, we have a significant infusion of capital going into the banks to support them so that it wouldn't be possible.
Something's not jibing. The impression, the perception, is that the banks are ripping them off.
What's the real deal?