I think we have the right balance. All of my colleagues have expressed today the need to further efficiency and use our resources well.
As to Mr. Cappe's point, I think we have to do the proper risk assessment market by market.
I should state for the record that we're fairly agnostic about the issues, when you consider them broadly. We take the view that there are certain markets where both the federal government and industry have focused our economic attention, and therefore there isn't a one-size-fits-all process for different countries of different sizes.