I don't know if there's too much to add, other than that is correct. We have seen instances, especially, again, in smaller regions, as Rob was pointing out, where there may be criminal activities within a very small regional area. You can't talk to the person next door even though you might see them on a daily basis in a social context.
So there's a real challenge for us there, and again, I would just maybe underline a point that was made earlier that we hope for elaboration on some things in the guidance. On the fraud, if it's not addressed in legislative change, maybe there could be an interpretive guidance on that to capture other kinds of criminal activity.