We would not do that. If there is supplementary insurance to be purchased, the institution would be purchasing it, and if the primary insurer then goes to a reinsurer, that's their....
By and large, if someone is looking for all-risk coverage—and this goes to the heart of the issue of exclusion--what we won't cover.... If, for example, a foreign institution is insisting on coverage for acts of war, and we don't indemnify it, then that business would tend to go offshore to a company that would cover for acts of war. Generally it would be fairly expensive, but we don't deal with the insurance companies; that's the institutions.