My concern is that there's no plan, and now you're just coming up with a plan. Since 2003 you haven't had a plan, and you're hoping that cyclically you'll be able to have a surplus fund to tap into if you have a downturn. That is not planning to me. The other thing is, you're running by the seat of your pants and you're just hoping and you're just crossing your fingers, saying, “Well, hopefully, that won't happen.”
