You're right that the regulations will define how that is.... We're not going to regulate it, if that's where your question is going. If I choose a management expense ratio, I might choose one too high and everyone would gravitate to that. Competition will make sure it is low, and the supervisory authority will require that the costs are low. There will be a regular analysis of what the fees are. But the competition through many plan sponsors will keep the costs much lower than what we're seeing today.
