It depends, I guess, on two things. One is the degree to which there is actually excess capital, and that is very much fact-specific, depending on the company. The second is their pension regulations. We don't give them that luxury in federally regulated pension plans. They have to be 100% funded, and then they make special payments over the subsequent five years to make up that gap.
That's not the case in all regulated pensions, so if I know I only have to be at 85% funded on a solvency basis, that 15% I can play with. I can make decisions about that. We don't give that luxury. We don't think that's something that's dispensable in a federally regulated context, but that's not necessarily the case.
If you actually see some of the companies—