No. I prepared a rather elaborate statement because of the nature of the studies, so I rushed through it. But what I really wanted to do was to focus on the end, on the three areas that we think require real attention.
As the other speakers have indicated, at the end of the day, it's really important that the whole economy works smoothly—and payments are a key element in the movement of money and the movement of information. The movement of money and commerce is a key element, so I think that environment has to be very, very smoothly established with a lot of collaboration among parties.