The curve as a whole has, at the short end, come in since the start of the year, since January, which has had an impact, and we've had pass-through both into the prime rate, into bankers' acceptances, which are very important short-term financing for corporations, and into mortgages steadily, as we've gone through this year.
We have been getting this pass-through, as referenced in the earlier question about overall financing costs for banks.