We think there may in fact be a short-term benefit, but when you have six major banks—or maybe, in the future, four—competing in this market, as they use their market power, they're going to push the affiliate finance companies out, they're going to push the local dealers and their leasing companies out, and you'll have four lease products out there offered by four banks.
Nous pensons que peut-être il y aurait un bénéfice à court terme, mais quand six grandes banques—ou peut-être, dans l'avenir, quatre grandes banques—sont en compétition et qu'elles ont un pouvoir sur le marché, elles acculeront à la fermeture les sociétés de crédit, et il ne restera plus que quatre grandes banques offrant quatre produits de location.