I want to get to Mr. Gamble and talk about qualification-based selection. You basically said to put the pricing last. First, make sure there's qualification-based selection and open it up to small businesses, then bring in your concept of innovation, and at the end bring the prices.
Can you tell me which countries or jurisdictions have done this and what kind of success they've had? What do you consider as the barrier? I want to give you the opportunity to talk about some of the best practices.