Mr. Leswick, like everybody else in this room—albeit maybe I shouldn't speak for everyone else—I have a house mortgage. I've never been ashamed to break that house mortgage. Neither have I ever been ashamed to break any long-term mortgage for corporate debt. I've always been a firm believer that you should borrow over the long term.
As long as the benefits outweigh the penalty, you would break a mortgage in order to strengthen your own long-term position, and you would always finance over the long term. Over time, you would refinance and pull that debt back out, provided you could invest that money at a higher rate of return than you are paying in interest on your mortgage.
Do you see what I mean?