I'm very happy that you understand our problems so well.
Yes, you're exactly right, the salaries are about what you have discussed. One difference between LTD beneficiaries and old age retirees is that the LTD folks have these small revenues, but they still have a family to run. They have kids who will go to university. Clearly, those kinds of revenues, when put into the context of the obligations you have in mid-life, are completely inadequate. As you've said, they're completely vulnerable to bankruptcies.
The 85% cut in their revenues assumes, essentially, that we will get a 15% dividend from the bankruptcy of Nortel. But we haven't seen that yet. If we get less than 15%, the cut will be more than 85%--