The conduits we're using to issue commercial paper in the asset-backed market are sponsored by banks, but not guaranteed by banks. So they don't have a word to say in terms of credit. In fact, it's more the investors on the street that are not there to buy the paper from the conduit sponsored by the banks. The banks help structure the deals, but they do not decide whether to invest in our paper. Someone else is buying it. The reputation of the ABCP market has been tarnished by the non-bank ABCP that is creating the issue.
On top of that, you also have the fact of the global recession that is affecting those types of structured transactions. There was also, we think, a lack of transparency in that market in the past. There is now more disclosure than ever in that market by issuers, and the financial structures have been adapted to meet international standards. The industry has been auto-regulated. Now most of the conduits are rated by two, or even four, credit agencies, so it should bring confidence over time. But for the time being, we don't access as much money as we used to, and we think it would be important for the government to help as proposed in our document.