Quickly, I agree with the other panellists. Part of that discussion is clarity around the rules: make sure it's as clear as possible so that people can understand. That helps them to make informed decisions.
If we can make our rules and regulations with a sense of purpose, a sense of objectives, we can measure whether we're on the right path. With clarity around how you achieve them, you'll help to overcome a lot of these barriers that we've been talking about.