The inherent risks, obviously, are to the financial stability of the company, carte blanche. As our floor plan costs increase and the downward pressure on the economy happens in the top end, margins have shrunk, which means our overall profitability has virtually disappeared. So the risk is to the viability of the company itself.
With regard to banks, and this is something we've been talking about, as the floor plan interests go up, we've often wondered if the chartered banks will enter back into the floor plan business as the profitability is there for them.