I think the key is not to say this should have been double-A or triple-A or single-A, and second-guess. I think the key is to just have oversight. Rating agencies have had no oversight. The first act was really in 2006, in Congress. So it's early days.
The analogy I like to look at is the credit default swap market, which became, I don't know, a $500 trillion market with no oversight. I think it's important to have oversight. Just have that fact, and make sure you're following the rules in all the policies that you've laid out and consistent with the code. That you do that is I think very critical.