I don't know if I can be specific, but I certainly can generalize. This is not just a corporate view, it's also a personal view. The degree of complexity was much too great. The innovation that occurred in the financial markets was much too great for investors and everyone else to fully comprehend. Now, that's great in hindsight, but we are where are.
It's not just about disclosure. We could disclose 200 pages of information. It has to be summarized, relevant, and understandable.