Thanks. That got us into a little bit of overtime there.
I want to squeeze in a quick question, if I may. We could probably have a whole study on your 11 recommendations, but let's look at the first one. I guess I've long held that many regulations that are designed to protect the public wind up protecting incumbents in business. In other words, a large, well-capitalized organization can handle compliance a lot better than a smaller, newer one.
On the expansion to require the reporting of all activity and to do away with the threshold around the amount of activity that you do and whatnot, can you comment on whether or not there are really some winners and losers and whether or not compliance ends up making it more difficult for a small enterprise to make its case to policy-makers than a large incumbent organization?