They say that rating agencies have an important role in providing unbiased information and assessment to markets. That, we do believe, is a fundamental role, that more opinions with more information—and that's what it is. I would never counsel anyone to just use a rating to come to a decision. But I would also say that having a rating opinion and having public access to it, which is our issuer-pay model, allows us to make these methodologies and the ratings public for free. We changed the model and had someone else pay to get around conflicts of interest.
