Sure, of course. It's a sentiment survey; this is what people feel. Whether or not they're going home and doing the math, they're feeling that at the end of every month, they're $200 away from being insolvent, meaning they cannot pay their debts in an ordinary fashion or that their assets are less than their liabilities. It's just a state of financial being. It's defined in our legislation. What they are feeling is that if they had $200 less every month, they may be insolvent and they may be at a point where they have to come see a trustee.
