Ensuring that we're able to respond in a transition is really a critical first step, because when there is lack of clarity or uncertainty in the application of the new rules, some members and users get caught in that gap. Having a clear structured financial process for people to engage in, as well as having further clarity on what is applicable for Jordan's principle is a huge need. I think this is what is going to allow us to be able to identify those next steps.
I'm going to turn to my colleague here, who will be able to answer the second part of your question.