As I said, even in response to Mr. Garis' quote, theoretically, and certainly based on the codes and everything, I would agree with your statement. The concern we have is that the building is never modified, never changed, or if those things happen, that all the same kinds of safeguards, analysis and inspection, and preventative materials are followed up and the building retains that kind of safety. Experience has shown us that this doesn't always happen, and when we continue to cut back in so many sectors on the oversight of building codes, fire codes, and everything, there is an inherent risk.
Certainly to your point about buildings under construction, it is a different issue. There's no question that the experience has shown that these buildings, in the construction phase, appear to be much more at risk. A lot of things have been done to try to mitigate that, but certainly the experience we've seen in Canada in the last few years gives us an idea of the fuel load that exists inside those buildings when we see what has happened at the construction stage. If they're encapsulated, if everything works properly, they're very safe; if something doesn't, we know that they have a much larger fuel load than a steel- or concrete-based building.