You are only keeping a cushion of $2 billion, while the chief actuary recommends that the amount be $10-$15 billion, or the equivalent of one year's reserve.
Given the current employment situation, you seem to think that this is not a useful precaution. I just feel that I am listening once more to the Conservative line from 1989 and 1990. That led to a situation that worries me, as I told you earlier.