There's no question that as the tax base expands, if there is an economic expansion over a period of time, you're talking about an expanded tax base. You have more businesses that pay in. You have more people working, and that would mean that premiums can continue to go down. This has an extraordinarily beneficial effect in all sectors of the economy. It's that virtuous cycle that economists talk about.
We're in a pretty good position in this country today, being fairly deep in important resources, certainly in natural resources but also human resources, and I think that bodes well in the long run for the country. It also bodes well in the long run for the people we all want to serve, those workers who are currently employed and those unemployed for whom we can use some of these premiums to provide training and, ultimately, help them step into a job and enjoy some of the success that most of the rest of us have always enjoyed.