Yes. In addition to what has been said, we've done research in downturns over the years, and one of the things the individual business owner does—and all of our members are privately held companies—is cut their own compensation. In other words, they're maybe taking out a second mortgage on their family home or something along those lines, because naturally, their personal finances are very intertwined with their business finances.
On May 12th, 2009. See this statement in context.