Absolutely, and when you look at the loss ratios.... Just to finish off on that question to Ms. Allan, I think going forward the biggest thing we all have to do is the investors have to force transparency. They've got to know what they're buying; they've got to drill down and have the systems in place so they know exactly what is in these pools of assets. Subprime would never have gotten spun the way it did if that was the case. Derivatives, which I still don't understand, would not have become a big part of this pool, this $32 billion worth of frozen commercial paper right now.
So it's just back to the basics of understanding what you're buying. I don't think that needs government regulation; I think that needs a different thinking in the street. We see that a lot today. That's what people are talking about.