I would say it's adding considerable frustration, but also uncertainty. To Mr. Larkin's point earlier, we could not get definitive assessments of the impacts of these changes, which were implemented very quickly, until months after the initial announcement took place, because we were waiting on draft legislation. Then, as you suggested, there's this back-and-forth of potential changes and tweaks that follow.
The net result is that advisers weren't even in a position to provide financial advice for some time after the announcements were made. That creates immense frustration, especially when you're in the midst of a very long, drawn-out succession plan that you could be nine-tenths of the way through when suddenly this throws a complete curveball into what you've been working on for upwards of a decade.