I think both of your points are very fair. You mentioned seniors who have poor service on another plan and you mentioned folks who were denied because of a non-resident spouse.
These are issues that would require, obviously, additional policy coverage, which would probably require legislation. That's something I would have to talk to you about with your House leader's hat on and talk with both sides about what's in the realm of the possible for us to be able to fix some of the gaps that I acknowledge exist today.