I mean the investments that you hold, specifically going back to the situation that did not necessarily involve The Co-operators or the mutuals. We had the asset-based corporate paper issue in which the ratings agencies did not give the proper ratings to these risk vehicles; in fact, they were believed to be no-risk vehicles by many.
So we know what the banks or the investment companies are required to do. What is the process for The Co-operators and the mutuals? Do they use the same ratings agencies, or is there a different reporting agency to which you're responsible?