Look, I think the question really is a question of how and when. I think that right now if you change the foreign ownership rules and allow them to take on more capital, the reality is they don't need capital. They're sitting on billions of dollars. They pay out dividends. They don't need capital.
Actually, the impact it will have on them is not one of bringing on foreign capital. It's a question of will some of them want to sell to a foreign entity? That's a very different issue.