It's difficult to imagine. To my mind, when I look at the statute and I see that it might create greater debates between members and directors, my fear is that there will be fewer people willing to stand. There will be a fear that they will be accountable to the whim of someone's passion--they wouldn't have a monetary interest--and be subject to greater difficulty.
I'm not saying that should drive people away, but I fear there may be a sense, if insurance goes up, that it might be more difficult. We don't want it to be, obviously. We want it to facilitate greater participation. But I would not have any way of guessing one way or the other.