Mr. Bacon, you talked about the insurance model and the uncertainty of it, and perhaps unlevelling the competitive playing field from the perspective of...as we have now said, we mandate it be this way. We're mandating something else.
What I am struggling with is...I'm not sure where you want to take it. If you had a magic wand, what would you do? Would it be an insurance program, or would it simply be to deal directly with this person, so that it's a commercial relationship? What do you do between individuals? I want you to answer that.