The only point I would add is that, as I mentioned earlier in my remarks, the $500 million is net of one-time capital gains. To project the $3 billion, you don't take that into account. You start off with the ongoing impact and you take into account reductions in the corporate tax rates and growth in the sector, and that's how you come up with $3 billion. It turns out that a very simple arithmetic of six times $500 million comes pretty close to the same number.
On February 1st, 2007. See this statement in context.