Okay. I appreciate that.
Ms. Byrnes, I wanted to get your reaction and your association's. I don't know if it's fair to put you on the spot, as Mr. Benson has just presented this to the committee today, but you've heard some of his recommendations in terms of what should be in the regulations. Obviously, your members are hoping to be the administrator or the provider of PRPPs. Can you give us a reaction to some of the recommendations he's made to us?