Well, twice today I'll concur with my colleague Mr. Abbott. Until we move to public auto, I don't feel that we're in the position of becoming general insurers.
My concern over the dropping of the threshold—and that was something we were all very interested in—is that it was very unclear whether by dropping that threshold, the travelling exhibits that would have then been able to come in would actually be able to meet the criteria anyway because you have to have such a strict set of criteria. This is a very special fund that is used in a very specific set of circumstances. It's not a general fund for just moving art or historical exhibits back and forth. We have a very specific fund here.
I think that dropping the threshold to $50,000 would make it very difficult, first of all, for a small museum to be able to meet the criteria we have to maintain to be able to maintain insurance at $1.5 billion. So I think the program works. There are problems with it, but I don't know if dropping the threshold would work at this point.