That would be part of it. As I mentioned earlier, a lot has changed since 1995. We've seen a lot of other markets grow and expand but also run into some issues with regard to the way competition has occurred and been dealt with.
To doubly repeat, we're not saying that we don't believe in more competition. I think that when you have a government employer, and then you have one private sector player come in, you have one kind of conduct. But having three or four or six private sector players come in is a significant change in the way lenders would be purchasing a product. Again, there needs to be some market conduct, some ability to ensure compliance with rules. Right now, those rules are just not there.