If I could make another comment regarding your point about the concerns that are out there and whether competitors could get together to at least deal with it, I would say that a lot of these issues are commercial matters between commercial entities. I think what you're hearing from some of the players—I can't put words in their mouths, but we've heard their commentary, from the card companies, and so on—is they'd be interested in exploring commercial solutions to these issues.
I think the messages have been received loud and clear. As Ms. Hughes Anthony said in her opening comments, we've heard the messages loud and clear, too, and we're exploring ways...such as maybe having some better disclosure and some better clarity.
So I think there are different components to this game, and each of them in their own areas of responsibility is saying, “Hmm, what can we do here?” So I think some of that messaging is getting through.