Mr. Michael O'Flynn:

I can't say I did. We had our own approach to lending, or to borrowing, and when we were borrowing, we set about a proposal that we had our own internal approach, our own process, and we went to the bank when we were pretty sure that we had a bankable proposition that made sense for us to go forward with. I can't say that I saw any big change in the approaches by banks, and I would have found them all to be pretty similar in that regard.