It's better.
I'm not suggesting this is what you were saying, Mr. Calkins. But to assume that the prime would then factor in all kinds of little premiums in case things go wrong, in the real world you have competition, you're playing people off each other, and these so-called discrete premiums disappear. I think it's a smart way to do business, particularly for large contracts, to have one person accountable to us so that we can actually seek redress from that person.