No, I don't accept that. There are a variety of reasons why. We've had parts of the financial services market that have been very stable for a period of a number of years, and then somebody else will come in and say they think they have a better model, they can lever off systems, or approaches, or whatever elsewhere, or the market has changed.
So there can be a variety of reasons. Our view of the business plans is not really, as you said, to sort out.... We're going to do a fairly high-level review of the adequacy of those. We're not going to assure that those plans are successful. We want to try to weed out the plans that are inappropriate, done in an irresponsible kind of way, but we're not going to try to substitute our business judgments--