Sure, and isn't that their job as a company providing a product? They need to be sure that they know their business in the sense that they cover the cost of doing business and make a profit to provide the benefits at the end of the day. Otherwise, there's no sense in even competing in the first place. I wanted to be very clear about that distinction.
I also have a general comment. I hope you understand what I'm going to ask here. It seems to me that the changes may have resulted from situations in which there was just too much cost in the system. Is that correct? In regard to some of the thresholds to qualify, when we got to that section, the 40 years of service as a threshold to qualify seemed very high to me. Now, at a certain point, might that have been lower? Was this ever lower than 40 years to qualify for it?