Actually, we have been working on that in these last six months. We had discussed what you're talking about when we were changing the reference margin, if that's what you were meaning. I just didn't really feel free other than to say that everybody should have a choice. You should have a choice as to which program you want to go into and whether you want to do use five or seven years. That should be important.
But again, we were just starting to play with our figures. I think that maybe I just didn't want to get too far from there, other than to add this to the notes of mine that are going to be coming.