It's been a very interesting review. I would at the same time say that I think it is early.
If we look at it historically, there were major reforms that took place in the late eighties, major reforms again in the late nineties, and then, of course, 2012. We look at roughly a ten- to 15-year timeline historically for significant reforms.
Five years, in my view, is oftentimes too short for the market and the public to fully integrate the reforms and then to have the evidence-based analysis to make judgment calls on new reforms.