... you will agree that in economics there is a concept called moral hazard. Moral hazard occurs when a person takes more risk because someone else bears the costs of those risks. When we are saying, in the event that PIC makes a loss or commits wrong investment decisions the fiscus must kick in to try and make sure that we cover that loss. It makes sense but there must be accountability for those investment decisions. You know what is going to happen is that people are going to invest willy-nilly, making wrong investment decisions because they know that as soon as there is a loss you are going to pick up the tab. It is one of the issues we have