You have to look at the series trend, and [prices] are definitely in an upward move.

The long-term trend of the market is upward, but it's not surprising that we had a pullback for a few sessions.

If we see an upward trend in delinquency ratios, we tighten our lending, but we have not had to do that.

We will move forward, we will move upward, and yes, we will move onward.

in the short term we could see a knee-jerk reaction higher.

OPEC has shown itself to be market-savvy by recognizing that waiting for the price band mechanism to kick-in could cause a slump well below $22 a barrel.