I hope you didn't misconstrue any of my comments as saying we don't like ad hoc programs. Good bankable programs are very important. But what we have done in the last 15 to 20 years in this country is concentrate on safety net programs, and we have missed, in my opinion, a bigger mark, which is the marketplace. How do we derive more dollars out of the marketplace? That's where we need to focus more attention.
Ad hoc programs will always be an essential part of it. Safety net programs will always be an essential part, because there will be times when the market falls out and you're going to need them. At the same time, we need to focus on where we can get our money--not from the taxpayer but from the market.