We have spoken to many members around this table, and we also hear those issues publicly. This is a tough time for particular sectors. We've certainly been hearing about the auto sector.
The banks are analyzing these things on a case-by-case basis and they are obviously taking into account, as we've mentioned, the cost of funds. They are also taking into account the risk profile.
I was cheered, because the Federation of Independent Business appeared before the Senate banking committee yesterday and talked about their membership and how, among their membership—if I can summarize the results of their information—the difficulty was not so much with existing customers. It was new businesses trying to get additional credit or additional types of loans, when there is a new reality whereby they are asked to produce further collateral and so forth.
I certainly think the banks should be able to offer an explanation to the customers about why this is happening. Very often, someone thinks perhaps there is something wrong with them, but these are general credit conditions that are deteriorating.
Terry, do you have any further comment?