I'll go back to the unregulated group you talked about earlier that was a player in the marketplace while things were going exceedingly well and that has now retreated out of the market. You talked about the sense that the big banks and the BDC and the credit unions are playing in a regulated market and understand the Bank Act and the credit union act. And these unregulated groups deserted at a time when we really need liquidity.
No doubt when things get better they'll be looking to come back. Do you see a place for regulations that speak to the types of things we do in the regulated market when they decide to come back and play in the market? I'm talking about things like giving credit and extending credit and doing those sorts of things that help the marketplace as far as business is concerned so that the financial system works. Should we be allowing them back in to the market, or should we be telling them that these are the rules they're going to play by if they come back?