We have had increased demand. I'm just going to speak to our operation at HALD-NOR Credit Union. We are not dependent, and have not been historically dependent, on third-party paper to increase our capacity. We've been able to handle it based on our financial statements, our balance sheet.
We are at the maximum, and we are borrowing. However, we are receiving a lot of increased interest. Obviously, lending rates are down. Everybody wants it. We are in a market situation now in which we have to particularly assess the risk and we're going to be cautious.
I think that's the tension. People say, “Opportunity—go, there's innovation, it's small, agile. Here we come. Costs are down.” And we have to say, let's watch the risk here. So we pick our spots, but we're definitely in the game. We continue to plan to go forward.
We consider the small business market the most agile, the most innovative, and it's going to be the heart of carrying us through this recession.