I would say that when you look at our day-to-day practices we survey our staff, our front-line sales force, on a weekly basis to find out what is the lay of the land in terms of who is out there competing for the business. Based on our surveys, we would say that 75% of the time there's not another financial institution involved. That customer has approached us and there's no other financial institution that's actually trying to win that business. So in those cases we're just serving the customer's needs as best we are able. At the same time, we would say that if you look at our portfolio we're serving customers of all sizes. In fact, in the last five years our number of customers in the smallest category, which we would put with total income, top-line income, of less than $100,000, grew at a significant rate, as well as did other levels.
On July 26th, 2012. See this statement in context.