If I could just quickly add to that, one point that's being made, and I've heard it a few times now, is that the business risk management programs have put out $1 billion less this year, and I think they're projected to put out $1.5 billion less next year. So the perception is this is great: the BRM programs are working; they're putting out less money. They're putting out less money because no one is qualifying for these programs any more.
They don't provide any kind of stabilization. They are designed—and everyone's done this—to pay out on a system that pays on highs and tries to level out the lows. The problem is there are no highs and lows any more; it's a continual steady decline. If we don't recognize that and come up with a program that really does create some stabilization, there's no point in having these programs any more.