Well, there is a mechanism that works today; the problem is that these people are being denied access to it. We can come back on this, subject to another hearing on how we can fix the current dispute mechanisms, which are not working as well as they should. For the most part, all of the dispute mechanisms are controlled by the industry, and the courts are too expensive.
So we do have work to do, but we have to start by severing the control of the industry of the dispute mechanisms, and we have to have a place where people who have lost their life savings can go with impartiality and feel that, with the provision of evidence, some reasonable arbitrator or judge or dispute resolution mediator is going to be able to come to a judgment that's fair, on the basis of the evidence, and not be controlled by the industry.