Can I just answer a question about the risk of floor plan? Traditionally, banks were involved, and have always been involved, in automotive financing, and I guess it's because of the size of the Canadian market. They've been touching some of their recreational vehicles in the past, but the market has always been less attractive as a size, and that's why specialized organizations like GE and Textron and in the past Bombardier Capital were more involved in floor planning the recreational vehicle.
So right now the risk in that industry is obviously that you get a buy-back agreement from the manufacturer, as Joseph was saying. The finance company will not take the risk of the product, but will take the credit risk. Currently, with what's going on in the industry, there is a lot of struggling with the manufacturer as well. So with your buy-back agreement, when it's time to price the deal, you have to take into consideration the value of the organization behind this buy-back agreement.