My understanding--and maybe this is going to be more specific--is that in particular cases where companies are doing export, you're three times the price of, let's say, a Euler or a CIT in terms of just the premiums, and then there's a percentage in terms of the insurance business. I don't want to question what your premium is, because I'm sure you have a cost factor, but I'm just wondering if you have a different cost factor for some businesses versus others and how you determine what the premium rates are. I would imagine your premium rates would be based on risk, and then your percentage would be pretty well the same across the board.
