Well, we're certainly paying attention to the amendment. We're scratching our heads a little bit as to what exactly it means. I have been asked the question by a variety of my clients. We represent more than 99% of the life and health insurance industry, and many of the legal folks within that industry have come to me and said, “What does that mean that we have to do, technically?” That's technically in the sense of “On the ground, what am I supposed to do to ensure that this kind of understanding is there?”
As well, what's the difference from the rules now? Again, I think there's been a sense of knowing what you at least have to disclose to the consumer: what is the change going to be? I've certainly been asked the question, and I don't know what the answer is. That is why, in our opening statement, we said that we need to have that discussion with the folks at the department, with the folks at the OPC, whom I saw supported this. Obviously, the department supports it because they put it in, and the OPC was a witness indicating that.
I think we'll need their help with the provision, because we're a compliance-driven industry and we want to comply.