Thank you, Mr. Chair.
Mr. McCowan, returning to where we left off before I finished my round of questioning, is this a problem with the charter? Not problem, I made a poor choice of words. Is this a result of the charter? The problems we're engaged in today, is it as a result of charter guarantees? Correct me if I'm wrong, but the act is new--1991--and the charter came out in 1984. Let me put it to you this way: would we have had these problems in 1974?