When you look at the floor plan as compared to the consumer side, it has a distinctly different risk scenario. As different people have pointed out, inherent in the floor plan and what made it work was the put-back to the factory.
I'll speak to the auto side. In essence, the banks used to take a lot of comfort in that if a dealer went out of business, they went in and grabbed the inventory and put the inventory back to GM, Ford, Chrysler, Toyota, or whoever it was. They would be reimbursed one hundred per cent. There was no risk on that side of it. The only risk they had to deal with was the dealer not doing his portion.
Obviously, the current economic climate does not give the banks a lot of comfort; a GM or a Chrysler may or may not be there to take back the inventory. That's what's driving the floor plan crisis. We were asked last week to meet with some finance members who were beginning a study on it to understand what is driving it, but that's one of the key components driving the interest rate increase. A number of our dealers have seen their interest rates on floor plan borrowing increase significantly as well in the last 90 days.