Well, it's not clear to us as to who has the responsibility for market conduct and regulatory compliance in that area when it comes to our situation and our industry. Again, if, for instance, we had a complaint against what we just described as being adverse selection, perhaps something could be put into the guarantee requiring that this adverse selection not be a part of the way competition is.
At the same time, when you have a compliance violation, how is that dealt with? It's not clear to us.