There's no real need. There is a need over the short term because we want those organizations to be continuous organizations over the long term, so we want to be there for the bad days. In order to do so we have to maintain reserves and we have to maintain surpluses within those companies in all of that. The surpluses of the companies have to be maintained on a tax-free basis, so there would be an advantage to setting up offshore companies, but we just don't resort to that avenue.
On September 26th, 2006. See this statement in context.