Mr. Michael McAteer:

I do not accept any such responsibility in the sense that it has taken us a substantial period of time to understand the nuances of the insurance company and the claims on a case-by-case level. I do not believe any of the actions we have taken have led to one cent of an increase in the ultimate cost of the claims. In fact, I would say the opposite in that some of the actions we took have led to a significant reduction in what would have been the ultimate cost on the claims front.