Well, I think that what has caused the change, probably is the sophistication of business, the globalization of business. Risks have become much more complex with high technology. If something blows up or burns, you know, drops through the ground from an earthquake, you've got huge investments in technology and business is interrupted, and it can have a ripple effect around the world. So the risks are just much greater. Secondly, through various forms of deregulation, the business has become much more competitive. It was, in many ways, very tightly regulated to a point that in many states everybody had to charge the same price, the same form. You couldn't differentiate your product; everybody paid the same. So it was really like a utility. Through deregulation, market forces took over and made the business much more competitive, drove prices down, which, you know, demanded efficiencies.