What we would say is we are aware of those. In effect, they are guidelines, and we have said a guideline approach is actually a very useful approach, because it works with flexibility and is the non-mandated approach that we talked about. We all want guidance on how best to do it, and if the commissioner can come out with suggestions and guidelines, they would be very useful for us to consider--so, yes, we think that's a useful approach, and quite frankly, sir, from our perspective it's better than hard-wiring it into the legislation.
On January 30th, 2007. See this statement in context.