It would be more direct competition than the actual retail marketplace. We looked at the numbers yesterday. In real simple numbers, if we look at the retail automotive sector, the finance rates to the consumer are virtually unchanged in the last 15 months. If you go in to buy a car, new or used, and the dealership is not subsidized by the factory, you're going to pay somewhere around 8.5%. In looking at our model and the cost efficiencies we have, assuming that the cost of funds would be in the neighbourhood of 2.5% from the facility, we could have it to the consumer at 5.5%, or save them about $50 a month on a normal car payment.
