Right. As co-operative institutions we basically take deposits, fund off deposits, and loan off deposits and retained earnings. The mortgage securitization process was another conduit to fund a small bit of what we're doing, but it still was an important conduit.
Banks have other ways of issuing paper, as you said, but also they have the covered bond tool that the government has come up with. Currently we don't have the aggregate volumes to use that tool right now, so yes, it's hit us on the funding side as well as on the actual market side.