I would just add, if you want to get a sense as to the appetite of banks to make business loans, look back to the fall of 2008 when there was the greatest financial turmoil that we've seen. That was actually when bank business lending accelerated at the most rapid rate it has in a number of years. Clearly, when there was a great deal of risk, banks were willing to step in and make loans that other people weren't making. I think that's a very good reflection of their willingness to lend.
On November 25th, 2009. See this statement in context.