The key piece in that whole rate freeze is exactly that: it's the freeze. It's rate stability.
Of course, deficits in the programs and the rather unpredictable nature of having rates go up and down, up during a recession and down when times are good—that was a very challenging tax for our business members to contend with. So we welcome the rate freeze, and we're very pleased that members now will be able to look down the line and understand what the costs to them will be for hiring or increasing the salaries of their employees over the next couple of years.