Yes.
Thank you for the question.
A demand for loans is certainly very important for ensuring that the economy can bounce back as effectively as possible. The measures that we tend to agree to mostly are really making sure that there's good information in the marketplace, making sure that lenders have appropriate knowledge of what sector performance is. One of the problems we have been tracking is that....
The availability of credit is a huge concern for our members. We are noticing that existing banking relationships are being supported. We haven't found, to date, a large case of where financial institutions have decided just to cut off financing to large swaths of the economy. We did notice that in 1990. We believe that's what made the 1990 recession worse than it should have been. Lots of healthy companies were being cut off at the knees by financial institutions: “You're a restaurant; you're in the forestry business; you're in the auto sector--we're going to cut your line of credit in half.”
We have not seen that. To a large degree, we're starting to get a number of questions about that from some of our members. It's something that we really have to watch in the next couple of months.