First, do we provide it for a term? We do. When an individual takes out a receivables insurance policy with us, they then approach EDC and identify particular buyers that they wish to ship against. EDC then provides an approval up to a certain limit that they can ship to that player.
If there is a change in the risk, it is the obligation of EDC to then approach the insured and advise them that there is a change. If on a going forward basis it affects either the premium or ultimately the level of coverage, then the insured is aware that future sales are now subject to change in terms of the insurance coverage. But we cannot change retroactively that which has already been shipped and insured under that period.
You also made reference to the civil code. I'm not a lawyer, but obviously the question is whether that really applies to credits insurance or whether that is a factor more applicable to property and casualty insurance. Clearly the concept of taking out an insurance policy, under property and casualty, for a defined term and the inability of the insurer to change that within the defined term....
Credits insurance is a very different product, though. Credits insurance is based on a series of continued declarations on ongoing shipments for which the insurer is constantly monitoring the risks and constantly advising if there is a change in those risks. So if the risks deteriorate, the insurer can reduce its coverage on a going forward basis--as I say, not affecting it on a retroactive basis.