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Your example of garages is really interesting, but, obviously, you are dealing with a very different level of risk. The risk may be minute, but the potential effects are catastrophic. It is a safe assumption that that is what drove the blanket, very tough approach that was adopted in response to clear threats in the past. In light of that, could you give us any more specific examples that you can see of ways in which a risk-based approach can save money? What things are being done now that do not need to be done?