Okay.
I know I don't have a whole lot of time. I'll move on to Mr. Frank before we get back to Mr. Adams.
Your organization is looking at these reforms as being very positive. It will save money for your members. How much of that money would go back into the hands of plan members or the like? Will it bring down premiums, or will it just keep the companies alive? I was trying to understand what you were saying in your presentation.