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That going forward how do you get rid of this? my instinct is yours, andrew, which is the cdos, many of these esoteric don't serve any purpose. i don't see what purpose credit default swaps. why should i buy insurance on your house and then i have an incentive to burn it down. but how do you draw the line? how do you figure out, martin, when it is a company that operates in 25 different countries and has all these currencies it has to worry about and it has to mitigate the complexities by creating these financial instruments and how do you say, you know, what is the line which says that's all ...