Sure.
Basically what we're saying is that if we had this $15 billion actual reserve, what would happen in an economic downturn or in a recession is that we would be using this $15 billion to keep the premium rate at a stable level as much as possible. Normally $15 billion should be enough to go through a recession. At the end of the recession, the $15 billion reserve would probably have gone down to close to nothing. Then over the next expansion part of the cycle, we would rebuild the $15 billion reserve, and we would make sure that it never exceeds $15 billion, because we would allow the chief actuary to consider the interest earned on that reserve in setting the next year's premium rate.
Actually, you would have a fund that would vary between zero and $15 billion.