Ms. Cholak, I'm just going to give you a chance, if I could, to extrapolate on something you said as well.
You talked about regulation being critical. You talked about mitigating risk and critical functions. Then you said that, if the rules are too cumbersome, there would be unintended circumstances.
I wasn't really sure where you were going. Were you suggesting that, if regulation were too stringent, if the rules were too stringent, industry would just ignore those rules or would fight back? What exactly did you mean by that?