I will go back to answer your first question, on the average of the five to seven years. I think that would actually have helped with BSE in 2003. Another thing that would have helped is was if they had increased the negative margin. Can you actually believe that people had negative margins? And that happened for a number of years. They were dealing with this up until two years ago, I believe. I think those two changes would have helped.
They did change the negative margin, but it probably needs to be adjusted up some more.