I hope you'll be using the same example the whole way through because it makes it a little easier for us to follow that, too.
Okay, thank you.
Mr. Carman, you also commented when you talked about the concerns of members. You talked about the portfolio investments, and maybe some of your portfolio advisers would make decisions they would not otherwise make. You're saying this legislation is maybe driving them to make decisions that may not be necessarily good for their portfolio. Is that what I heard you say?