I can't speak too specifically on the businesses, but if you look at where the banks are lending money and where the credit growth is, it's all in the residential mortgage space. As I said, residential mortgage credit growth is running at a 10-year high and that's obviously inflating house prices. If you look at business credit growth, it's basically stagnant.
Maybe the banks are looking at it and saying there's risk in refinancing a business for them to go and spend on capex, for example. I think it's probably just a risk thing for the bank.