One thing is when the short-term credit market ground to a halt [in October], a huge percentage of the bulk cargo ship fleet just went idle. Trade just wasn’t happening. It felt apocalyptic. The system had ground to a halt. Now you’re getting the hangover of that. Companies that had to stop operating for a month—they don’t go belly-up immediately, but now you’re seeing they’re starting to have layoffs, their suppliers are having problems, and their suppliers are having layoffs. The auto companies are a great example. They’ve been in trouble for a long time, but car sales in October were down like 40 percent year to year, and that was because people were like, “Gee, I don’t know if I’m going to lose my job, I don’t know if I can get a car loan, I don’t know what’s going to happen, I’m just not buying a car.” And now you see the impact of that. The car companies went from limping along in precarious shape to being in a position where they can be out of business if they don’t get an extraordinary infusion of resources from the government by year-end.