I would say that the banks have a very important role to play because, as I touched on in my presentation, their syndication departments have become somewhat of an old boys' club—no disrespect intended—primarily syndicating their own products through investment advisers. When they represent 80% to 90% of the investment assets, what they really need to do is to wave the flag and get onside with programs that are driven by investor demand and to get out and support private industry.
The government has a role to play in perhaps providing a guarantee with some oversight. The banks have a role to play in getting their investment advisers and their syndication departments behind it.
There are a lot of good ideas out there, and they don't simply extend to the bank-owned investment firms.