Then, I'm Not a Toll Idianwell, I'm a Toll Idianwell.

Zale offered a three, five, seven year product and sterling offered a lifetime. Tall figured out that it was obviously cheaper if you do a lower duration. But auditors said for gap accounting purposes, because you're changing the duration of the warranty, even though nothing changes on claims, whatever, you can no longer reckon how your expected loss would be higher. So now now they're reporting same store sales. They're taking a ding for all of the warranty salesno, the warranty sales are high. And not only that, it's pure profit. It really was, on a casual basis, earning two dollars, but they were reporting more like a dollar. Fisher t as very material