I think you create liability, whether it's through class action or an individual or whether it's through regulators. I assure you, if it's corporate, that's one liability, but if it's personal and it ensnares....
The other thing is that it's one thing to be the CEO who is liable. If you're a board person who says, “My board fees aren't enough for me to be ensnared in this”, that changes behaviour. If you introduce liability and shifts on that—how you specifically create somebody who can apply through the courts and all that is specific to each jurisdiction—it changes the decision approaches.