I think our regulatory system still suffers from its roots, if you will. A lot of our regulations were designed around fraud prevention. Obviously, fraud prevention is important, but now we're in a situation where, as you say, we're trying to figure out how to support certain kinds of transitions toward sustainability, whether they're management-related or technology-related.
I would say that our regulatory apparatus, as I've highlighted with much of our program instruments, is not yet up to the challenge of helping us move rapidly in this direction.