I think when you take a look at the prevalence or the lack of prevalence of retirement plans in the workplace right now, 50% in the private sector have nothing. They're too expensive too administer or they're too complex. Employers simply aren't offering anything.
What we're hearing from small businesses is that they would welcome the tool. They see it as a competitive tool, as an opportunity to attract and retain employees. They see it as something they could actually do. We're also hearing that even though they wouldn't be required to contribute, they'd be interested in looking at ways to do that.