I can speak to your three points.
First of all, I think the appropriate mechanism is to make sure there's independent, accurate information associated with the industry and the state of competition in any of the different local forbearance areas, and that it's maintained and brought up to date and everybody's aware of it and can swiftly act on it.
Secondly, with respect to re-regulation, that, of course, is part and parcel of any accountable plan for deregulation. In effect, if market forces fail to deliver the consumer protections they're supposed to deliver, then the regulator should be able to swiftly step in and institute the consumer protections that are necessary to solve the particular problem.
Your third question--what was the third one?