Do you remember what was going on economically four years ago? My neighbor at the time was a finance guy involved in global investments for pension and other retirement plans for a well known company. He was scared to death and pacing the house in the middle of the night. What do you think the odds of keeping a premium contract would have been if you had it back then? Had you been sitting there with anything other than Contract 02 at that time, you would have taken a beating. Your retro losses are a figment of your imagination.