Thank you very much.
I've been on the auto sub-caucus, so I've seen lots of folks from the auto business lately, and I appreciate your coming. Last night there was Mr. DesRosiers, who's an expert in the field. There was a question about why the banks are making so much money from auto loans. The pushback from him was that the financial arms of the automotive manufacturers are providing products that a bank might not necessarily be able to, like 0%. I am looking at a car at 0.9%. Can you comment on that? Is it an accurate statement that the financial arms of the manufacturers are in the business of moving product off the lots?