I think Ms. Harrison wanted to say something, so I'll ask her that.
The other thing we have to remember is that the premiums don't change for a subsequent year. If you do have that surplus, it'll be a year before the premiums go down, and then you have a little bit of a cushion if something happens--if there's a deficit or a downturn in the economy, because we probably won't have further deficit.
Then again, the premiums will go up if it looks like a projected.... Am I right, or is it not even a projected surplus? I think there will be enough forethought on the premiums' rate-setting to make sure there will always be money there.
I think there has to be a shift in thinking at committee, first of all. They have to forget about the $54 billion in surplus. I think that's what we can't seem to grasp here.
I'd like to hear what you were going to say.