Thanks very much.
Mr. Waldman, you made the fairness point about hardship, and Mr. Rae reiterated just now that it's dehumanizing, in many ways, to reduce a person to a number. But you also made the point that as a society we are losing otherwise contributing new members of our society by virtue of this analysis.
Just as a clarification point, when the excessive demand consideration is made, that's just in relation to the one individual, not a holistic consideration of the family as a whole and the contributions that other families would make. That's correct, right?