Thank you, Mr. White.
On that issue, I want to pursue that with Ms. McWhinnie. Mr. Perkins was attempting to pursue it earlier.
I had a side conversation with Tony, who used to be in the business, and I asked him these simple questions: Why is that happening? Why are we seeing interest rates consistent through all the companies? It just seems very odd that your organization hasn't really gotten more granular on that. There has to be a reason. Business is business. You have your margins up above your expenses, and your net.... It just seems odd that everyone's the same. Business doesn't work that way. You have your ups and downs among businesses and between the expenditure levels that each business is undertaking within their business plans. It just seems very suspicious that the net among all these businesses is the same.
Therefore, my question for you is this: Have you—and if you haven't, why not—gotten a bit more into the weeds on that with respect to the consistency of that interest rate among all the different companies?