Thanks.
I want to pursue that a little further. One of the anomalies that has been pointed out, and Ms. Gilbert, you mentioned this, is that there's no acknowledgement of what the cost savings have been. I'd like to think that most of us are safe drivers, but it doesn't mean that we can quantify how much money we've saved the insurance companies because we've been safe drivers.
Part of prevention is also looking back in terms of what the general acceptance and safety levels are, and how people are feeling psychologically about whether they're safer today or whether they were safer 10 days before September 11, 2001. I'd like you to clarify and perhaps explain that quantifying these types of issues isn't necessarily all that easy.