We've had a financial plan. We've had that since the nineties at least. We do a five-year corporate plan, and that carries our finances out over a five-year period. Each year we update that five-year plan.
We have run into some difficulties over the past couple of years in particular, but we do have a financial plan where we're trying to get out.... Now, one of the things that we have identified—and we had identified this before—is that perhaps the amount that we target as a rate of return should be higher than what we had previously targeted. We used to respond to industry concerns about some problems in the shipping industry and tried to keep our rate of return low. When you do that, and you have any kind of a downturn, then you end up with a deficit.