All banks assess risk, and in these times, notwithstanding my previous comments, something has to be done to help us through the economic situation. We're looking at such things as increasing some of the guarantee programs, and that could be applicable to some body like BDC.
BDC is one of the only lenders, for example, that is actually providing venture capital financing in the country. When we look at where the hurt is hitting the most, it's in the small businesses. For the larger businesses--and my colleague beside me may be able to comment on this--there is credit availability. It's more expensive, it's more difficult, but there is some. Some of the smaller organizations, particularly those that are going to fuel the knowledge economy—the start-ups, etc.—are really having trouble getting start-up capital and follow-on financing.