Mr. Jim Joyce:

In addressing the final point, that is not quite what Mr. Sloyan said. If one has the lifetime community rating arrangement, someone entering the market at the age of 25 would be paying a premium at the age of 60 based on the fact that they had entered the market at 25 years of age. If one enters the market at the age of 50, one would pay a higher premium because of the delayed entry. That arrangement does not yet apply here. Mr. Sloyan was only speculating as to how the situation may apply.