Mr. Howard, your presentation basically is—how shall we say?—from the actuarial standpoint, moving percentages up, moving percentages down, playing with this, playing with that, but it doesn't address the core issue with a lot of pension plans, which is that in their portfolios they have a lot of junk and the junk just won't produce sufficient rates of return, no matter how you play with the required surpluses or any of the other things you're suggesting there.
Have you given any thought to whether the actual asset mixes, the quality of the assets, should be changed?