I wholeheartedly agree with you on that one. It does provide the stability that allows them to plan.
A key gap is that they are too restrictive. I practically have to hire someone on my staff to get through all these programs, and there are programs I still don't even know of at this point.
When you say less restrictive, can you be a little more precise about what you're suggesting with regard to how this would work? I would ask other members to pitch in as well. What do you mean by less restrictive, and how would this be accessed?