You obviously have put your finger on the key issue. Let me go back to the credit market and what is going on in it. As I said, I tend to think of it as a pie, like the little pie chart we have on our backgrounder. There is absolutely no doubt that there are certain types of credit, such as securitization and commercial paper, that are just gone.
There are also certain types of institutions that are gone, and they may have withdrawn either temporarily or permanently from the marketplaces. There are some foreign banks, and different types of lenders—you've just heard Mr. Nantais talk about difficulties in the car financing business, for example. There's a big gap.
I firmly believe there is more credit flowing out of banks, and I've given you the statistics—they're in our backgrounder here—and we stand by those statistics.
The question is whether they are filling the gap, and I think the answer is no, they are not completely filling the gap. I think the initiative to increase and mobilize the interaction between financial institutions—of all kinds, by the way, credit unions and everybody else—and BDC and EDC is a good thing. I think extending EDC's mandate into certain domestic areas, as proposed in the budget bill, is a good thing right now. I also think that the leasing program, which Mr. Nantais referred to as yet to get off the ground, is going to plug a particular kind of gap.