I understand that you want to refer to the report, and I appreciate that. What I'm actually asking you to do is to explain that part of the report in plain English in this room.
Could you explain, for the benefit of the people who are watching at home and don't necessarily have the benefit of our expertise, how you take nominal rates and turn them into inflated rates, so that it would be simple? Is there a plain English section of the actuarial report that actually does that and that we could read?