My next question might be a little tough.
We've had some difficulty in this country with non-bank asset-backed paper. The courts have to get involved and confirm a deal to make it happen. And to be frank with you, based on the testimony I heard when we were dealing with this in committee, not only did investors not know exactly what they were buying, but I would also say that some of the people selling it didn't know what they were selling.
What comfort level can you give me, since we are now talking about non-bank commercial paper again, that instead of private investors buying it, the government is going to be buying it? What's the difference there, and why should the taxpayer be comfortable that we're doing the right thing in this case?