Thank you, Mr. Chairman. All of the departments were directed to identify any forced growth they required during this interim period. I believe they have all done that. If there is further forced growth, then the departments will have to factor it in as they prepare their budgets or, as a last resort, we have built in a supp reserve, which would be drawn upon to cover any of those expenses we were not able to identify earlier. It has been factored in. We realize that. Thank you.