We would. We would have to look at other options for the clients if it's now cost-prohibitive to invest in their company to save for their rainy days or to help fund their economic fluctuations. We will have to look at other ways we can do that, and some of those would be, say, IPPs or RCAs or things like that, so some kinds of pensions.
Whenever we do that, though, the funds are now moved outside the company and they're not accessible to that business again to be able to survive an economic downturn.