Okay.
One thing that has come up, Mr. Edwards, involves discussions around security. You spoke in your presentation about a simplified renewal process. Was there ever any concern, when you simplified it in terms of the guarantor and those things, or a perception of concern, about a lack of security that would pop up because of that simplified process? I've heard this from some of the....
It seems to me that now it's not quite as tight as it used to be, in terms of what you had to go through to get it. We're trying to simplify it, but I think the other side of that is that it was all about the whole security issue. I wouldn't mind having your comments on this.