When you come to the 20% rule, you guys are recommending getting rid of the 20% rule altogether, because some people, as I think you said, use it as a loophole. They can rejig it because the 20% is self reported, including how they calculate the 20%. They could think, “Oh, I'm not calculate my travel time” and all of that. It's very, very confusing.
How is that so misunderstood? Why do they use it as a loophole? Is it just because they can?