We continue to hear positive things from many of our customers (community banks) - many have plenty of money to lend (but only to qualifying customers) - we have even visited with a few banks that are trying to send back the "bailout" money - here is a good article depicting the US community bank - http://www.nytimes.com/2009/05/17/magazine/17wwln-rendon-t.html?_r=2&ref=magazine