I'd like to direct my question to Mr. Gauthier or Mr. Hatch.
Back in November I had a great lobby from many of the auto dealers in my riding of Sudbury, talking about the issues they were having. Of course, we were talking about how it was difficult for consumers to get the loan, and when they did get the loan they were walking away because the interest rates were higher. One of the dealers pointed out to me that he was also having difficulty.
If we're talking about interest rates, I believe you mentioned it, Mr. Hatch, where they have these large loans to pay for their buildings, to pay for their overhead, and now we're seeing these interest rates come in. Is this something that's common? Maybe you can just talk a little about that.