In fact, Mr. Chairman, the market share of the banks in the last six years or so has actually increased a little bit. We have been growing our business credit faster than others in the marketplace. And those others are credit unions, caisses populaires, life insurance companies, unregulated financial institutions, the capital markets in general--the equity markets and the bond markets. We actually have been increasing our market share, particularly over the last couple of years, when other parts of the market have found it difficult to access financing and then do lending.
So in fact, we have not been pulling back; we have been increasing our lending.