I just wanted to touch very briefly on the liability question. I know it's been talked about several times here. My sense is that in your opening statements it was said that you feel you shouldn't share in third-party liability. Yet, to some degree, as the questions have gone this morning I get more of a read on it that you actually feel you already are, and you'd actually like to see that pulled out and separated and clearly distinguished as going to some kind of pool or fund.
Maybe correct me if I'm wrong, but my read over the questioning period has become slowly that your associations would be much more inclined to say that you'll share in that, but you already believe that money is being put forward by you. You just want to make sure it's put on a clearly defined pool that this is actually what it's going to. Would that be a fair assessment, Mr. Larson and Ms. Cook?