Mr. Dykstra, I will elaborate on the process. To give you some sense of the timeframe that's involved, we first looked at Canada in 2003. That was the first time we said, in a very serious manner, that this is a great market opportunity. It is a huge market served by only two players, and we think there's an opportunity to add value. From that point on, we have undertaken to follow the OSFI process, and that's inclusive of a business plan to OSFI, that's inclusive of a fairly rigorous examination of our documents and our capitalization. OSFI also requires us to have upfront capitalization. They do very thorough research on AIG overall, and in fact on any new player that wishes to come into Canada.
I can assure you, Mr. Dykstra, that this is not the type of market and this process is not the type of process where you decide on a Friday that you're going to come into this marketplace and on a Monday you're ready to go. For us it's been, as I said, since 2003 that we first undertook to give serious consideration to the Canadian marketplace.
