londonied to get out of and the to the country and see what is happening. many people run small and medium-size enterprises. the thing that makes me angry is that there are companies owned of many generations where they are trying to maintain relationships. they maintained the same banking relationship for 60 or 80 years and then suddenly comes a letter turned out by computer which state the terms of our relationship have changed. and they don't think that that is a sensible and fair way operator relationship. i see many of these. for the banks to say that, it is a not an adequate response. they're facing problems that their balance sheets have been a mass. and they're having to adjust. they have to adjust. but they need to understand what has been done to client relationships. the only thing we can respond to is not to prevent an adjusting just for testing, but to actually find ways to encourage new bases with new sources of finance. if people want to jeopardize client relationships, but we have to make sure that we have exhausted someplace where they can