I think I would answer the question in the following way.
We know, as my colleague said, that regulators regulate. That's what they do. That's what their business is. Our regulations and our regulatory framework are solid. We do recognize there are challenges in the “how”. On the “what”, the regulations are solid. They're reviewed; they're vetted, and there's an opportunity to comment on those regulations.
Where we see anecdotally that we run into challenges is in how departments implement those regulations through guidance, through processes and through perhaps a lack of predictability and a lack of clarity. If you have a moment to sit down with organizations and talk through the problems or the burden they're facing, it's less and less about the what. It's less and less about the regulations, and more and more about the how.