It's exactly as Nancy said. We're in an environment here where you have, right across the board, increased risk. And you have to price risk accordingly. If you didn't price risk accordingly, there'd be less credit available. Re-pricing means you can actually continue to lend.
Now, mortgage rates are going down.
In terms of lines of credit, where you see it based off the bank's prime rate, even with these risk-based adjustments in pricing, the actual cost is down in many cases. You are seeing things coming down. If you go back as recently as, let's say, August of 2007, the prime rate was 6.25%. Now the prime rate for the banks is 2.5%.