Generally, when we're thinking in those terms, we're looking at the balance sheets of firms. We find that the debt-to-equity ratios are much healthier than they have been in the past. That's true of small businesses as well as of large businesses, generally.
Also, when we look at the data we have on lending to smaller businesses, we find that over the last few years what they've been doing is making sure they have access to credit, but they haven't really been drawing down on it. They've been drawing down on it in smaller and smaller amounts. They want to make sure it's there, but their utilization rate has been falling. The authorizations are there. We're lending to them. But the outstandings have not been growing proportionately. They are, in fact, using their credit very prudently and are using it only when they actually need it.