I would simply comment that, as was stated by Sara and Jeff, there were other people in the industry, none of whom are there any longer, and we're the only person left. Obviously, there's some risk in the industry that others have perceived. I would suggest that perhaps we see that and are translating it through in our pricing, not to mention that our own cost of capital, which is the reason why we are here, has continued to go up due to the lack of liquidity in the commercial paper and other forms of funding in the marketplace.
On April 30th, 2009. See this statement in context.