I think the prime motivation for any captive finance company is to aid the manufacturer in delivering its product. So all the programs we deliver for the manufacturer are around that. It really goes right to the reason for the CSCF that was introduced in the budget.
It's a liquidity issue, and our funding has dried up completely across the markets. So the auto market captives need $40 billion a year to deliver their product for their manufacturers. Today we're probably down 98% on what we can deliver in capital to that market.