You're putting me on the spot here, but I'll respond.
I think the issue we see is that of course the world changes very quickly. The legislation and the regulations, quite frankly, don't really keep up, and what I would like to see is a more principles-based regime where we don't always have to try to play catch-up with products that don't quite fit into the four-square of the rules as they exist right now. That would be the big thing.
The other one is that I would love to have more money to do more consumer education.