Hartstein: It began with the realization of the synergies between Manulife and John Hancock after the close of our 2004 merger. One of the first things that Manulife did was undertake a strategic review of John Hancock's mutual fund business. They looked at what we had and what it was worth. Then they looked at what they could get from a willing buyer if they were to exit the mutual fund business. They used that six-to-nine-month review to weigh options.