As we mentioned earlier, we looked at roughly the last 20 years of cases that have gone to court. About 46 decisions, I think it was, from the commissioner have been taken to court. In a minority of those, the commissioner was actually a primary appellant. In those cases, the commissioner lost 70% of the time before the courts. That, I think, gives a very clear demonstration of why companies might be motivated to go to court. They have a pretty good chance of winning.
Again, it's a pretty stark contrast between going to a court and doing a de novo proceeding, where the history has shown that courts tend to side with the companies, versus a tribunal that has to give deference to the commissioner. That changes the playing field entirely.