Mr. Bernard Byrne:

I do not share that perspective. Hindsight often makes it easy to have a certain narrative. At the time those decisions were made, rates were where they were and decisions were made. We have gone through an unprecedented period in terms of the decade that followed. We have talked, it is to be hoped openly, about the issues that occurred with each customer grouping as they happened and developed. That is the situation. Our job is trying to fix that and move the issue forward, but we have a different perspective.