The situation in the auto sector, as you and everybody around this table will know, was just an extraordinary sequence of events, almost cataclysmic, over the last year to year and a half.
Specifically, in terms of auto dealers, I have just a couple of things contextually here. In terms of financing individual customers, the bulk of that financing market was held by the captive finance companies of the auto dealers. Those were precisely the companies that were severely impacted by the financial crisis. They relied upon securitization in the commercial paper market, and that just dried up. So a lot of the problem for dealers, entirely apart from the problems they had with their parent companies or their supplier companies, was that the main suppliers of financing were in crisis.
Banks had a very small part of that market. As you know, banks cannot provide lease financing. We can provide loans. I think we're finding over the period of the last year that our lending to and through dealers is actually going up.
Our motto is that we lend to people who are in a position to pay it back. We'd like to be able to capture more of the marketplace. But there was a significant disruption, not from the banks but from other suppliers of financing, which, quite frankly, had the rug pulled out from under them by the market.