Dealing with the issue of the rates tripling in a month, it seems to me that there's some profit-taking going on here or some gouging. I liken it to the trends in the insurance business where the markets go soft and people compete for business. The rates go down and are slashed in half in no time, and then all of a sudden markets tighten up and there's just no capacity out there. Rates double and triple and there are huge profits at the end of the day. Then, of course, the cycle starts again.
Is that what we're looking at here in the financing business? Does that happen?