I apologize, but my time is short. With respect, Mr. Dunlop, being “concerned” or “some number” isn't good enough when I'm talking to folks who are going to potentially lose their pension. When I look at this from a greater perspective, I see that you guys are all in the business of risk. One of the things we look at is this: What is the equity, and who's in the better position to absorb it?
Clearly, Mr. Gray and Mr. Dunlop, we have to agree that secured creditors, who are often transnational, multi-billion dollar corporations, are in a better position to absorb that risk than a 74-year-old senior trying to pay her rent or her mortgage, or to eat.