Well, I think people, or the public, would disagree with you on that. Perhaps it is a risk factor that you're seeing in terms of the strength of the job market and so on, such that before you were optimistic, so you approved mortgage applications right away, but now things are a little bit shakier, so you might not accept an application that might only have been a little bit questionable before. Just because things are tougher now, the underwriter might look at it a little more strictly and say, “I'm not going to take a chance on that because I don't want to have to foreclose on this loan in six months.”
