My final question is for you. First of all, I want to thank Mr. Carrier for stealing my question. I believe the studies that were presented about a single regulator were presented to this committee during the budget period, so that's not an issue.
In your statement, you say that these are not bailouts. Do you want to define for me what the difference is in what we're doing and why people consider them a bailout? In your view, what is the difference?