I will try again to stay very simple here and slow; it is a complex subject, and we have spent a good bit of time ourselves thinking and looking at this. Really, in my mind, you divide it into two worlds. You have your financial reporting, and you have your statutory or IRS world. The NOLs are there from past, and the financial, FAS 109 does require us to, based upon our recent experience in the past two years, as well as the current year to date with the legal expense and so forth, to remove the future benefits of those net operating loss carryovers, on the premise that looking forward, there is no benefit potentially, although we believe and can see our way clear to pretax profits -- the carryforward period, by the way, is 20 years, so I mean that's a huge carryforward period. The minute that several factors, and another factor I just want to raise is Congress is considering right now as we speak, the potential to carry those losses back four years. In the event that would become reality, that would immediately allow us to recognize that asset, and as we have done before, turn it into cash. So in the settlement of this legal case that was mentioned earlier, again, another factor that could potentially cause a reversal of this valuation allowance. So I guess to your question, the losses there, it is what it is. This is simply a reserve against that asset. The asset did not go away or disappear. It is basically something at this moment in time we have to, in effect, call out as a zero-value net book value. But we do fully anticipate realizing that value, either through our carryback or future tax profits. But right now, given the FAS 109, paragraph 17 to 25, we can't carry it on our balance sheet.
