Sir, there's one other thing I'd like to ask you before you move on.
If you get into a situation like that, where there is a recession and there's a shortfall here.... I don't know who came up with the $2 billion, but the $54 billion that was saved up in this plan was put there by employers and contractors or owners. I really feel the government should backstop that. If there's a shortfall, I don't agree that the premiums should go up at all. I think the government should step in and give back some of that money, if you're going to take it. I don't think you should take any of it.