I think our processes are exactly as you've described. When we talk about working with the industry, what we have, of course, is a discussion over exactly what the regulation means.
I wasn't there at the time, but it was clearly an issue of uncertainty over what exactly the interpretation of the regulation was. The discussions were held with the industry. They agreed with the agency's interpretation of the regulation and put into place the changes in their own processes, and the end result was that we got compliance.