There are a lot of questions in there.
Let's put it in a hypothetical situation. The pricing does vary by risk. It depends on what country the foreign buyer is in, how risky things are. It depends on the actual financials of the foreign buyer. We assess the individual foreign buyer to see what risk is being contemplated. The company comes to us with perhaps six foreign buyers spread across various countries, or it could be just one foreign buyer. So the price depends on the bundle of foreign buyers presented to us.
And it's very important that we compare apples to apples. A private insurer may have five buyers that they will accept, and we may have six or seven buyers--