I accept the point you're raising there, but whether we classify it as a commercial insurance operation or not, the fact of the matter is if you don't have a margin of safety built into what you're charging, and one of these major events happens, it becomes a liability for somebody. Somebody might call this margin of safety a profit, but it can become a major deficit in a hurry if people who are managing the thing aren't on top of it. So it's something I think you have to be focused on.
Does the AG's office have any difficulty with the Department of Foreign Affairs making some sort of allowance for a margin of safety, or a reserve for extraordinary events or contingencies that could occur?