Well, I think it's fair to say that banks certainly don't want to put somebody into a house where they have to foreclose. You don't want to hold those mortgages.
I think what has happened is that the standards haven't changed; what has changed across the board is the level of risk. It's not that we're changing our standards. We're having to assess that risk and take that into account as we make those loans. The bottom line remains, though, that credit is available for creditworthy customers. The issue of creditworthiness, though, is the trick of the game