The tightening of capital is understandable for anybody watching the situation. It makes sense that people who would be investing would be more cautious in the circumstance we're in globally, and that banks would be far more cautious in their lending than they have been in the past, given the global uncertainty out there.
Do you see, in a sense, a sharpening of the pencils on the business side by your members? Is there an increased focus on making stronger business cases and on really ensuring the case for financing when they're going out and trying to sell their expertise and skills and the future potential benefit of their products? Do you see an increased focus on making that business case? I would imagine that's going to be the defining characteristic of the companies that make it, versus the companies that don't.