In our current model, I think there definitely is some of that, because in our model there is only one funder left funding, and that's Sun Life insurance company. The other funders have gone away. There is opportunity there to look at risk, and they can put some nice words around it, but at the end of the day, your rate has gone up three times as well in the last year. There is some of that, but there is very little liquidity out there right now.
