In the interest of time, those of us who are here have done our research. We don't need you to reiterate the recommendations, but rather, pull from them how you believe we can move forward so that our voluntary system can actually be fortified with something enforceable. We're exploring the existing legislative environment right now.
Maybe you want to pull from the recommendation you just spoke about and expand on it, or just turn it over to Mr. Davidson, because we know the recommendations. Thank you.