Mr. Paul Sheridan:

Their balance sheets have been highly damaged, which is limiting their ability to look into the future and to stay in business. The likelihood of going insolvent is increasing by the day. I have never seen a market like it. I sit down to discuss with members how they are supposed to deal with tenders they are in and, when letters of acceptance come in, how they will deal with that. They are looking at going into contracts that are potentially down 5% or 10% from the outset. It is a very difficult-----