In this day and age, it's hard to determine what's a low-probability event, given what we've seen over the past years. When you see all the issues that have occurred, such as war and natural disasters, the tsunami and all the restthose were all low-probability, but they happened. I think our whole concept of recognizing what are low-probability and high-impact events has substantially changed. The universe of what can happen is much larger. We've had our minds opened. Tim Williams