I think all of these create clarity for both the firm, in terms of their expectations in the marketplace, and what consumers can expect in the marketplace.
As a non-advocate, it would be inappropriate for me to provide opinions on each of them. But I will say that the clarity provided by these is, in the long term, going to be helpful to our work. Because if the expectations are clear, then what's fair and reasonable under the circumstances is largely guided by law and regulation in the market.