Thank you.
Mr. Savage wanted to go back to that question, which hadn't really been answered, but you have provided part of that. In fact, we don't have an answer, at least on that.
It is an issue that has come up; it is an issue of concern to us that a lot of small-business operators have been somewhat startled by what they have been led to believe are large compliance costs.
Again, who should we talk to, in your estimation, to try to nail down what the compliance costs are? Would there be any recommendation there?