Yes, I think there is a vicious cycle. I'll separate the two pieces of money we're talking about. Consumers are avoiding purchases of any kind right now, not just specific manufacturers. The entire market in the month of February was down 27%. A lot of that is driven by availability of credit, and that is a liquidity issue, and that drives costs, so costs are higher, liquidity is lower. There is only so much a manufacturer can do to generate the market. We can assist by making credit available, but if there is no liquidity to make that credit available, it can't be done.
