Secondly, I've been in the middle of trying to be creative about how to use technology on our own account, and now I'm getting to be creative about how to use technology in a very broad set of opportunities outside of Morgan's own product set. What's hard about it is trying to be specific about the real business opportunities. In other words, an interesting technology does not a business make. And so we're really trying to isolate business models, perhaps with technology and e-finance capabilities that would create a viable, sustaining business with repeating earnings. I even said earnings and not revenues.
Revenues are interesting and earnings are even more interesting.
So, we're trying to create sustaining value, and that's a different twist for me, and, quite frankly, a lot of fun. That's a good question. What we're doing is we are participating with the businesses on the technology programs that are transformational to the firm, the firm's fundamental product line. In our words, we are trying to be a catalyst for moving ahead the evolution of our product line in this new networked economy. Second thing, we are incubating brand new companies.