I don't think it makes a difference what you call a program. There's nothing wrong with the word “CAIS”, and yes, I do believe it can be made to work for us. But the changes have to be made. And we have taken, across the country, some positive steps, like adding the NISA-like approach to the top tier. I believe that's a step in the right direction.
I don't think we have to throw the whole thing out. But when you're based on a declining margin and historical prices, that's where the problem with it comes in. You can't live in the past, and that's what we're trying to do.
The other thing, of course--and we keep talking about it--is the predictability and the bankability. We all know about that.
To answer Wayne's question, yes, of course, if we can take advantage of some of the programs that are green, then we certainly should be doing that. And I think I alluded to that in my opening remarks.