In terms of our facility that we're using right now, our credit has not deteriorated in the last year. We're experiencing the same results. A lot of it has to do with our unique model, where the originator of the contract, the automobile dealership, has a financial interest in the contract all the way through to the end.
In essence, it's going back to the old way of doing it, where the dealer takes responsibility for their actions and doesn't just sell the contract to somebody else and is then absolved of any financial risk.
We have the skin in the game, as you referred to it, so we have a vested interest. That's why we have not seen a deterioration in our book at all in the last year.