Yes, but the way in which people expect to receive annuities, pensions or any kind of hardship benefits has changed so radically since 1813 that, in essence, we would be trying to set up something in competition with, say, Standard Life or an annuity provider. It would be completely pointless to offer people the opportunity to invest in a very small fund when there is a marketplace of pensions, annuity providers and specialist investment managers. That would not be a competent use of the funds.
The way in which people receive benefits, annuities or pensions has changed radically even since the most recent payment was made in 1980, because 1988 was the start of the personal pension drive. The onus on, for example, employers to ensure that people have a pension available to them and the onus on each individual in Britain to think about investing for their future is much greater now than in 1813.
The act was passed in 1813, which was before the Burgh Trading Act 1846 under which the trades were rather clamped down on. In other words, in 1813, things were going reasonably well for the trades, but the trading act came along in 1846 and the trades could no longer be the closed shop that they had been and they had to change their business. The relationship of the trades and of how people choose to get annuities has changed dramatically in the intervening period and for us to try to set up a fund now that mimics an annuity provider would not be a good thing to do.