The entire world is in recession; there are really no exceptions to that. Growth has slowed everywhere, and so those risks have risen everywhere.
Generally speaking, people are more concerned to insure a receivable if it's in a developing country, as opposed to the United States; that's a general rule of thumb. It would be fair to say that the biggest increase has been on the U.S. side, because people are most concerned about the recession in the United States, and that's a very important destination for many of these exports.
Geographically, I don't think there's really much of a story there. Everybody is more concerned, and generally a company will ask us to insure their entire book of buyers. They could be spread all around the world.
Secondly, though, speaking sectorally, there are sectors that are in more difficult shape than others: the auto sector, the forestry sector. The forestry sector has been in recession much longer than everyone else, because the U.S. housing sector was the first part of this story. The auto sector came after that. The more generalized risk increase has been more recent. So sectorally there are leading edges, and similarly, on the way out probably the first sector to show strength will be the commodities sector. It's very common in upturns.