I have a couple observations, sir.
We don't run it like an insurance fund precisely. Conceptually we offer a service in response to a fee that is given. We don't have actuarial analysis in terms of the costs that are borne and the trends that are going on.
I think we do have to get a little bit better at anticipating the sorts of consular impacts that we're seeing right now. We've had 9/11. We've had the tsunami. We've had Lebanon. We had Canadian impacts arising from Katrina. All of these things have tended in the past to be viewed as extraordinary, but increasingly they are less extraordinary and more regular.
I think, going back to my earlier comment, there's a fundamental question we have to deal with as to whether or not those extraordinary events and their costs are properly included in our calculations, because if you look at the figures we've put in across the five years, there are some rising surpluses, but with the Lebanon situation taken into account, you have a cumulative deficit.