The 2010 budgets have been completed. They are as we say cast in stone. Obviously, companies—at least those I represent—did not wait for the rules, which were announced last October, to come into force before they completed their budgets.
Actually, in that sense, I don't think we've lost a year, because the proposals which will be of interest to the companies I mentioned are those that will apply to the actuarial evaluation due by December 31, 2010, which, in fact, should be ready by the end of June of this year. So that aspect is clear. The evaluation will help companies set their premiums, not only for this year, but for the coming years as well.
Therefore, we have to act quickly. The five-month delay is beginning to take its toll.