I'm going to drill down into that a bit later on, but first, when I take your testimony collectively and then the testimony we heard two days ago, there are some common themes emerging. One is that we need legislation.
Mr. Bennett, you really drilled down into that and gave us a comprehensive look at what you think is required.
Mr. Rivet, you also talked about policy tools. Fortunately, we have a written copy of your submission, but it doesn't really drill down to what those tools might entail. Could you do that for us? That's helpful for us as we craft a report going forward.