On the question of whether there is an analysis of wage levels for those who are in that category where it's on-the-job training, we do have some data. I don't have it in this deck. I would have to do a little bit of investigation as to what it is, but I will say from the outset that wage levels in small and medium-sized businesses are certainly more modest than they are in the larger the firms. Any of the studies we've seen show that on most measures employees are more satisfied with their working lives on a lot of the soft measures that go into employment, but on the hard measures—the salaries and benefits—they are more modest at the smaller level within the wage category.
For those who are looking for entry-level workers, often those jobs do pay within 10% to 20% of minimum wage. The majority of members do not pay minimum wage, but many are not dramatically more when you are looking for that entry-level position. So wages, absolutely, play a role in this equation.