My colleagues would probably be in a better position to address that.
We tend to focus on the overall architecture, but I do hear a lot about the administrative complexity being an issue. If you follow, for instance, the small business community publications, the CFIB, and you look at the top constraints to growth and to business, regulatory red tape, tax issues, and that sort of thing, are often high up there.
I do hear that, but I'm not really an expert in that.