I think it has a number of dimensions. With respect to the products themselves, it means having more transparency as to what is in them; who is senior to whom, if something goes wrong; and more information about the structure itself.
With respect to credit-rating agencies, for example, I think we need more transparency about the rating methodologies. I think issuers themselves need to be putting out more information to the public so that credit-rating agencies aren't relying only on the information they have, but that everybody has the same information. I think rating agencies need to take more responsibility for the information they're getting and to do appropriate due diligence.
The basic underlying premise here is that if everything is laid out, people can make fully informed decisions, and it also creates appropriate incentives to design things in ways that should be better.