I'm still really struggling that you have a notional account now, that you have a notional account going forward, you have a date starting 2009, you have dates here. With all these numbers it seems pretty clear that each year you have the ability to establish program revenues, program costs, annual surplus or deficit. I'm thinking that's a value-add. With all this information you can start with each calendar year at zero, whether it's a calendar or not, asking what the right premium is to achieve break-even. You have all these annual numbers. I'm just questioning the actual value-add we're getting here, as opposed to nice-sounding new names for different accounts.
