Why are you using the word “reserve”? The $2 billion amount is not a reserve, it's a cushion. The difference is that if you go over the $2 billion amount, the excess amount will have to be made up for by premiums later, if I understand correctly. If we had a $15 billion reserve, which is what the actuaries are calling for, there would be no need for immediate reimbursement. It would be cyclical.
Why does it not go by full economic cycle, as under the previous legislation?