Mr. Michael Walsh:

Absolutely. When you come to 2008, you'll see that there is actually a reversal of directions because the reversal of directions is, you know, "We want you to build more expertise internally." So, we started out with a situation where the regulator says, "Everything should go external," and then, we, as a board, say, "Well, we have to develop the team and the management; you know, we have to focus on the things-----"