Mr. Conor O'Kelly:

Correct. We are both sharing; the pot is the pot. The decision to be made at the outset is whether more of a risk should be taken with the money. One can increase one's risk appetite and go further out with maturities or into equities to try to get a return on the fund. However, one would have to take a significant risk. We have just talked about taking a market risk and how it can turn against us. One can lose money very quickly.