It wasn't our first choice. We really did want to launch here, but because of the regulatory issues, it was faster to get to market. We had to wait for NPNs here. Obviously, it was going to take a longer time to get it to market here, so we chose to go that route.
When this came into effect, we wanted to know how it would impact decisions and choices for consumers and how it would affect our insurance costs and our costs of doing business here.