The difference is already in that order. You can get a 1% or 1.5% rate, but if you try to set it for five years you get a 6% or 7% rate. That is the situation today.
Mr. Lee, I would like to get back to a point you raised earlier on with respect to the mark-to-market accounting rule. Four or five weeks ago, when the United States was considering striking this rule, did you see the stock markets skyrocket, as we did? You are a university professor. In your opinion would that support the striking of this rule or is it not rather an indication of the fact that the very striking of the rule is perceived as another way of making money very quickly in the market? Would we not be better advised to stabilize accounting rules over the long term by maintaining the mark-to-market practice rather than eliminating it, as you suggest?