I think the question is around whether we should allow institutions like yours to develop their own approaches to these issues—whether it's disclosure or more restrictive lending standards, like you obviously have—as opposed to having a government pick a set of regulatory matters and force them on an industry.
What I'm really getting at is that you've developed something that differentiates you in the market, and now government is getting in that space and telling your institution and those similar to yours how they should be approaching that issue.