And that has been true for pretty much everybody. I mean that whole model has been problematic to start with. I think it will get there, but I think the whole Internet business model is going to be re-evaluated. I think some people thought that it would be much easier to change people's behavior than it really is. The technology is there, but the economics, the organization, and the behaviors of people take far longer to change.
Technology is the easy part.
A. A little bit. We did hope that consumer growth would be enough to sustain us in the beginning, and that institutional growth would take over after that. But we didn't really have anything on the consumer end, since we have had very few individual consumers on the service. That's really about it in terms of fundamental changes. Everything else is just the same, but slower.