Yes, if I can.
When you look at the ABCP market--and you commented about Ed Clark specifically; he was talking about the non-bank side and the derivatives and those kinds of things. His bank was an active participant in the ABCP market, supporting and selling automotive paper. That market also was captured in the collapse, so while he didn't understand that piece, and frankly nobody did, his bank and others clearly understand the value of the automotive sector and the paper it generates for retail customers.
Concerning Mrs. Hughes Anthony's comments, what is happening is their volumes are up but they can't possibly support the volume that has disappeared for us, from a liquidity standpoint, to lend money to consumers, to Canadians, to purchase vehicles. Our own book business is just about one million Canadians, and that liquidity is gone in that marketplace.