Thank you.
First, let me clarify that the reference to “five times” in my introductory remarks was to indicate that insurance is several times more important as a tool for EDC than pure lending. It's true, however, that it is up substantially compared with a year ago, for the reason I gave earlier: that at this stage in the business cycle, companies become more concerned about the risk of waiting two or three months for payment from a foreign buyer. They're much more likely to request insurance in that situation, because the odds of that foreign buyer's going bankrupt during that time are much higher. So we got a big increase in applications for that program.