Thank you very much.
To Ms. Woodside and Ms. Johnson, really quickly with regard to Mr. Arya's comments and to follow up on them, my understanding—and correct me if I'm wrong—is that by having a model where there's more transparency for people who are investing, they will have to make better choices. It won't affect the person in terms of the business they have, but there'll be more transparency for the people who might get swindled into something, which is a problem of understanding what the record was in the past. Is that correct?