Then I apologize, because we really didn't get into that part of it. But it is a concern and I will raise it at a future time.
There are many things you've brought forward. I've briefly gone through the COMPAS report, and I think there are many things that need to be...because the industry has indeed changed in the direction I was alluding to. So I apologize, because I came here prepared to ask my first question to the other people, and I wasn't watching there.
I'm going to defer my time to the next speaker, and I will take it out on the next questioner.