That would be a great help.
The fifth, which this committee has heard before as well, is the idea that because the tax credit comes at the end instead of at the outset, you have to borrow a lot of money, and when you borrow money, you lose money. You said we need to fix it, but then you said you don't know really how, so what is needed is a small group to think about this.
Do you not have an idea that you can share right now with this committee about how we can do that, have the money up front instead of at the end as a tax credit?