I would suggest that I don't have the expertise to give you a revealing answer on that. All I can share with you is that in our discussions with people, with employers, and with sponsors, there is a concern that we're not going to help those who most need the help. In other words, whether they're private programs or public programs, the executives and the higher-income earners will be able to opt in more easily or with greater privilege than those earners under $35,000, as I cited earlier in response to Mr. Menzies' question.
On March 16th, 2010. See this statement in context.