There's a breakdown because of the collapse of the mortgage-based securities operation. They can't generate the additional cash out of that, as capitalization. Therefore the stream going from the banks, which depend on this MBS margin, is shutting down-- the stream of financial capital flowing through the system into the hedge funds, which have commitments that they have to fulfill under contract. Because they have taken options on purchases, and they made a promise to pay--but they don't have the money to pay.