We won't post the methodology. We debated that. We've gone quite a distance towards publishing our stress testing. It's actually a relatively complicated series of models, which we view to be proprietary. Commercially, we wouldn't publish those.
I should tell you that with respect to the payment of dividends, this is a matter that we debate—economic capital methodologies of the board—practically every meeting and certainly every time we pay a dividend. I should tell you that the 165% number includes a cushion, so it's at 100% of regulatory capital that we would have to stop underwriting new business. We have a capital of 65% on top of that, and we've paid the dividend in excess of that. I can assure you, sir, that we have, very much, sufficient capital to survive an economic downturn.