Another thing you talked about here is, and part of your recommendations deals with, the need for improved transparency. What do you mean by that? Is that more information to the actual investor, whether they're a sophisticated investor or even Ma and Pa? We've had a few of those folks here who put their life savings into these things, based on advice they had received and their triple-A rating, relying heavily on this for their decision.
What do you mean by transparency? What can investors expect from that change?