Thank you, Ms. Lockhart. Unfortunately that's about the time we have. I can concur with my friends that I am also responsible for keeping that average up and I also lived through those 16% to 18% interest rates. It makes you a better person, or a tougher person, but we lived through them.
Thank you so much to the panel for being here. You've been very informative, and I'm sure it will help us when we do our report.
We shall break for a few minutes to change panels.