Mr. Richie Boucher:

I think there was a ... it's hard to actually go back, but I think there was an element of a recognition diversification was good, a, "How do we deal ... how do we do that?" I think that's a reasonable thought process. "How are other people doing it?" You know, "What's the market practice?" You know, "What does this look like?" So, that belief that, you know, this was a good thing to do. I mean, I would say that our model now is a model of 100 years ago.