The issue becomes one...and we've talked about this issue, looking at it as a soldier. I would not recommend you repeat what I say, but I look at it from a credit card point of view. Why me, not you? I may have a higher level of credit than you, and it affects me, or it could be the incident or it could be the situation. That's why it's not so clear-cut. That becomes the real challenge, not only the diagnosis but the treatment as well.
On February 7th, 2008. See this statement in context.