Mr. Chairman, in terms of trends, I would say that over the last year we have had three or four substantial financings that we've done to the fishing industry. So by extension, our exposures actually to the industry have been going up as a result of those financings, and as a portion of our business outstanding.
In terms of decision-making, we have within Atlantic Canada a decision authority up to $20 million, which covers 99% of the opportunities we would have. The base for those decisions would be in Halifax with senior on-the-ground leaders in all of our major centres, such as Fredericton, St. John's, Saint John, Charlottetown, and what have you.
In terms of risk in pricing, what we're finding is that we're working well with our customers. The one informative benchmark we use is our customer satisfaction ratings, simply to see how we are doing in this particular economy. They've actually been going up, so we're very pleased to see that as well.