Thank you for the questions, Mr. Chairman.
We did not come prepared to talk to a number of those issues. There are good responses to each of them. I would say they are outside the context for which we came.
I would turn to the CFO for one second to talk about how we establish and manage a $20 billion a year organization, which has about a $5 billion capital vote in it, within which we accommodate this. If that would be worthwhile, Mr. Chairman, the CFO would be happy to speak to that issue for a minute.