Our organization does not have any statistics on that. We do know that approximately 70% to 75% of the residential lending is still being offered through federally regulated financial institutions.
Philosophically, we support the notion of providing consumers with the greatest degree of choice possible, while still recognizing the need to balance the stress on the economy and the stress on the system. We believe that if a borrower has serviced their loan well and is not taking on any additional debt, they should have the broadest base of choices available.
As to the numbers of people who may be directly impacted, I'm afraid we don't have those statistics. I know that others are looking at that kind of information, but that's not information we have on hand at this point.