That's a difficult question. We have not talked to the Bankers Association in some time. I can't speak for my other colleagues and what they have done. To be perfectly honest, at one point there was a BIA consultation, and people were looking for that.
What we have done is approach the Bankers Association. We've talked to individual banks and tried to explain some of this. The document, the white paper I referred to earlier, is a step in that direction. However, until the thing is moving, to be perfectly honest, if you think about it, as a group—I'm probably going to get myself into trouble here—the banks have first come...they have that priority. Why in the world would they publicly state that they're willing to take any sort of second position? They have said in so many words that if this is a policy and if you have an industry that is unique, keep it narrow.
We need to do more work with the banks. I will concede that, but they're asking us first whether it's good policy and if we can keep it narrow.