We've never asked this question in this particular way. We've known that an awful lot of our members use high-interest-rate kinds of instruments. Many small businesses use credit cards to finance their businesses, and of course that number would be off the page, over there on Glen's side.
We do look at who's offering these types of loans and who's demanding them, and it's typically, again, BDC kinds of loans. Credit unions are more likely to be in that category, as well as the specialty asset companies. It's not typical of the domestic banking industry. There are a few people who say that there are domestic bank customers paying those kinds of rates.
What we're noticing, though, is that this time around there's a lot more flexibility in where the interest rates are. There seems to be more pricing for risk in the market now, whereas in 1990 generally the notion was that if you didn't qualify for a prime-plus-2% mortgage or loan or line of credit, you weren't allowed to get any financing. This time around, there's some discussion that someone is moving to prime-plus-3% or prime-plus-4% but is at least still getting a loan. Our members were complaining 20 years ago that, boy, they would have loved to have the chance to pay prime-plus-3% for a loan, but their bank wouldn't let them do that. They were saying that they wouldn't lend them any more.
We haven't seen that to date, and really our role is to measure.... I mean, we're not in the forecasting business. We've often thought that maybe we should be, but forecasting the future with imperfect current information isn't great. So what we try to do is provide current information to help Glen and Don and others do their jobs better. What we're noticing is a bit more reliance on price for risk in the financing area and less concern that financial institutions are cutting off loans to people just because they're in a certain sector. We've noticed a couple of comments from members along those lines, and we're going to be monitoring that over the next couple of months to see if it gets worse. We'll certainly let any policy-makers know about what kinds of changes and adjustments we see.