It's identical. It's a principle-based approach. Other rates and principles could have been chosen, but the idea was that this is a fair rate that roughly reflects the costs. That's why we say it is very close to break-even—maybe a little more, maybe a bit less—and it is also a rate that we think is affordable. It's not an extremely low rate where it is a giveaway; it's an insurance program and we think it's a fair rate.
On November 19th, 2009. See this statement in context.